Portfolio Recovery Associates – FDCPA violations and illegal business practices by their harrassing collection idiots!

Portfolio recovery associates complaints

These idiots just won't stop calling even when they know they have the wrong phone number or house and are in direct violation of the FDCPA!


I don’t know why these idiots at Portfolio Recovery Associates have chosen my phone number to call several times every day asking for someone that doesn’t even live here and never has lived here.  It blows my mind that these moronic collection idiots keep calling my house looking for a Juan Alvarez.  My family is from Scotland and not from Mexico and we don’t have any Spanish or Mexican relatives.  Also we are the first people to live in this house.  We had it built for us so there is no person that lived in this house prior to us living here.

So when they call and they ask if this Juan Alvarez is here I kindly tell them no there is no person by that name that lives in this house. Their reply is the same each and every single time – “we’ll call back!” And then they hang up.  And you just have to wait about three or four hours and they will call back again.  Usually it’s a different person each time calling, but regardless isn’t this a direct violation of the Fair Debt Collection Practices Act or FDCPA?

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We have rights as American citizens and should not be subjected to this kind of harassment. You would think by now that Portfolio Recovery Associates could have taken the time to figure out that the person they are calling for or about does not and has never resided at this address?  Now a friend of mine told me that this could be an indicator of identity theft.  And that I should pull my credit report to make sure there hasn’t been any accounts or similar open under my or my wife’s credit.

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That was a good idea so I went and paid $40 each (total of $80) to pull credit reports for both of us from all three credit bureaus.  Yes you can get a free credit report once a year if you suspect you are a victim of identity theft.  But that does not poll all three credit bureaus and you might miss something very important on one of them.  Besides it is a good idea to pull your credit report once a year anyway to make sure there are any errors on it.

Well the credit reports came out clean and we both had 750 or 780 scores. For some reason Equifax had the lowest scoresand Trans Union had the highest – that’s weird, but maybe they grade things differently than the other bureaus do.  Regardless there was no indication of identity theft, so this is clearly a mistake on Portfolio Recovery Associates part.

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I wonder what it’s been it take to get them to stop calling me for someone that does not live here.  They won’t tell us what it’s about because were not the individual that they’re calling for, but they keep saying they’ll call back like they’re determined that he could show up at some point in time – like that’s likely.

If this keeps going I may eventually hire a consumer rights attorney to go after them and sue them big time.  They are directly violating numerous laws and acts they were put in place to stop harassment like this.


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7 Responses to Portfolio Recovery Associates – FDCPA violations and illegal business practices by their harrassing collection idiots!

  1. Moses Bean on June 5, 2010 at 1:22 PM

    That’s crazy, but I read somewhere on MSNBC.com that this is happening a lot. A lot of these companies are abusing the laws and the FDCPA with reckless abandon because they know they can get away with it. If you want my advice, go find a good attorney and sue them big time. They know they shouldn’t be doing that.

    It doesn’t matter if they have wrongful information or not once they’re made aware that that individual they’re looking for does not reside in that household they need to stop calling immediately and their computer notes or whatever. Sue them into the ground that’s what they need and it’s the only way they’ll learn.

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  2. JackNifed on June 16, 2010 at 1:36 PM

    PRA – Corporate Greed Live Broadcast May 16, 2010

    wsw.com/webcast/blair36/praa/

    Like or Dislike: Thumb up 2 Thumb down 0

  3. Frank T. on June 19, 2010 at 5:35 PM

    I had a similar problem. Portfolio Recovery Associates was calling me for someone that never lived in my household. They wouldn’t stop until I finally forwarded the information by making a formal complaint with my state attorney general. Only then did they finally stop harrassing and calling my house. This should be against the law and they should be required to make sure that person lives in that house that they are calling to collect on.

    PRA is one shady, shady collection company and it’s no wonder that when I search the Internet under their name that I find all kinds of litigation, lawsuits, fines, investigations and more into their shady business practices and collection activities. Someone needs to shut these, pardon my French, ass holes down!

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  4. Bill B. on August 1, 2010 at 7:52 PM

    Portfolio Recovery Associates still calls me for my dead father. I thought that was illegal and have told them that he is dead. Their response is, “We’ll call back.” The man is dead and has been for several years. Put it to rest. You cannot try and collect on people that have been dead for several years.

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  5. Anna T on September 13, 2010 at 8:06 AM

    It’s important to use the right language. You need to be very specific about what you want them, or don’t want them, to do. Don’t say “He doesn’t live here” or “He died”, say “Do not call this phone number again.” Or “Cease and desist from calling this phone number.”

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  6. Chuck beaudoin on April 21, 2011 at 3:43 PM

    I recieved a summons from PRA and they sent me someone else personal information information they are sueing along with my paperwork inside the summon/do I have a case?

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  7. Jennifer S. on September 7, 2011 at 4:05 PM

    They called me today to collect $167 for JC Penney. I told them I haven’t used my JC Penney card in over ten years. They said that the last payment I made was in 1999. I told them well, what year is it NOW? I asked how they got my phone #, they said we’re a collection agency, it’s what we do. Then the rep read off my old address and phone #’s, including my CELL phone, which is registered under my husband’s name. He asked if I wanted to take care of this today, again this is from TWELVE years ago! I told him I’m unemployed and looking for a job. He then asked, “So you refuse to take care of this today?” I told him I HAVE NO MONEY! He had the nerve to ask how I pay for my other bills, and asked if I had a household income. I told him that is NONE of his business, and hung up!

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