• Report: #463333

Complaint Review: Portfolio Recovery Services

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  • Submitted: Sat, June 20, 2009
  • Updated: Sun, December 12, 2010

  • Reported By:Billerica Massachusetts
Portfolio Recovery Services
120 Corporate Boulevard Norfolk, Virginia U.S.A.

Portfolio Recovery Services Hounded by this company for fictititious debt Norfolk Virginia

*Author of original report: Hopelfully this is resolved.

*Consumer Suggestion: What to do

*Consumer Comment: RE:

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My husband has been called several times a week by this company for a debt that is not his. Apparently, they are fishing for someone with the same name but are very nasty and threatening on the phone. They claim that they are collecting for Capitol One. Neither of use have now or ever would deal with Capitol One because of their poor reputation. Portfolio Recovery also provides no details on the debt and yet hound him for his SSN.

Anne
Billerica, Massachusetts
U.S.A.

This report was posted on Ripoff Report on 06/20/2009 06:02 PM and is a permanent record located here: http://www.ripoffreport.com/r/Portfolio-Recovery-Services/Norfolk-Virginia/Portfolio-Recovery-Services-Hounded-by-this-company-for-fictititious-debt-Norfolk-Virginia-463333. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
1Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

Hopelfully this is resolved.

AUTHOR: Anonymous - (U.S.A.)

Found a bad former address in one of my husband's credit reports.  They seem to have disappeared since we made that discovery.

The last time I spoke with them, I told them that if they were not going to provide more information, we certainly were not going to share any information with them.  That was more than a year ago.

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#2 Consumer Suggestion

What to do

AUTHOR: Stuart - (U.S.A.)

"Portfolio Recovery also provides no details on the debt" By certified mail, request proof of debt as allowed under the Fair Debt Collection Practices Act.
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#3 Consumer Comment

RE:

AUTHOR: John - (U.S.A.)

This will almost always work:

Step One:

Send them a letter via Certified Mail + Return Receipt stating:

Per the Fair Debt Collection Practices Act, I am requesting that you cease all communications with me about this alleged debt. This is not my debt. This letter is being time stamped via Certified Mail and I can confirm receipt. I will pursue each subsequent phone call from your office with a $1,000 per incident penalty for Fair Debt Collection Practices Act violations

Step Two:

Next time they call, read the following statement:

Pursuant to [your state] state law, this is to inform you that this phone call is being recorded. If you do not consent to being recorded, you need to terminate this call. Pursuant to [your state] state law, continuation of this phone call after officially being informed that it is being recorded implies consent to be recorded. This recording will be used to pursue Fair Debt Collection Practice Act violations in a court of law.
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