Report: #719563

Complaint Review: Portfolio Recovery Associates LLC

  • Submitted: Tue, April 19, 2011
  • Updated: Tue, April 19, 2011
  • Reported By: Screw-paypaldotcom webmaster — South Hadley Massachusetts United States of America
  • Portfolio Recovery Associates LLC
    120 Corporate BLVD
    Norfolk, Virginia
    United States of America

Portfolio Recovery Associates LLC Illegally accessed my credit file & mailed me a bogus bill Norfolk, Virginia

Show customers why they should trust your business over your competitors...

This company is pure scum and the bottom feeders of society. First, I received a letter from this company today claiming that I owed $330 to a company that I never did business with in my entire life. I checked my credit reports -- from all three bureaus and this "debt" is not there at all.

Then I researched this company and found out what scum and scammers they really are. The telephone terror, the preying on weak and uninformed people. I then called Equifax and sure enough there was a hard credit inquiry from this scum company -- illegally accessed. They had zero legal right or authority to do this.

Finding nothing, this company then sent me a letter telling me I owed x amount of money and that I had to pay at least 50% of the total to make this debt "go away." They do not even give you the right to dispute the debt nor do they reference in this letter disputing the debt at all. This alone is in clear violation of the Fairness and Credit Reporting Act.

They picked on the wrong guy. I'm the webmaster of and now I'm going to take these limp wristers on. I wrote to this scum company's CEO, President, and General Counsel. Here's what I wrote:

Dear Steve

Today, I was minding my own business when one of your company's letters came in demanding

that I pay a debt. Mind you, a debt that I don't owe and a debt that I've NEVER owed.

After doing some research on your company, I became, let's say, quite angry. Unlike other

persons on the receiving end of your company's abuse, I am actually going to do something.

I'm the webmaster of (((REDACTED))).com -- a site that gets over 50,000 unique hits per

month and has had over 2.5 million visitors since it's inception. The reason I created

this site was because PayPal froze over $40,000 of my own money. After creating this

site, I got an email from Meg Whitman and my money back in my account shortly thereafter.

Now, I'm coming after this disaster of a company you call "Portfolio Recovery

Associates". I have a great website in mind which will dominate all search terms on

Google when anybody even types anything remotely close to your company name in any search


You will feel this right down to the last share of common stock.

How dare your company illegally access my credit file, get my contact information, and

then mail me a bogus and fraudulent "bill" that you want me to pay. Lastly, how dare your

company employ Gestopo tactics on other decent, hard working Americans!

I'm coming after your company via TOTAL EXPOSURE. I'm coming after the municipalities

that contract out to you. I'm coming after the politicians that take your PAC money, I'm

going after your stock price

I'm going to show each and every person who receives one of your scam letters how to make

you stop harassing them and show them how they will get $1,500 for each and every

instance you try to employ your n**i tactics on them. Not to mention show them how to

properly document your abuses.

Then when this thing gets large enough, I'm sure the media would love to have a piece of

this as well. Politicians taking money from a company that uses terror tactics.

Municipalities that do business with somebody such as yourself. Target lenders directly

that use your services and warn potential customers about what they are getting

themselves into. Illegally accesses credit files. Scams poor people into paying junk debt

that otherwise would have no bearing on their credit score or file. And this is just from

the top of my head.

I'm livid at your scam letter that you sent me; I'm even more livid reading about all the

horror stories out there about people you've unjustly fleeced. This is for them...

Now these jerks are going to pay and I'm totally serious....
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This report was posted on Ripoff Report on 04/19/2011 02:27 PM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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