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Report: #442388

Complaint Review: Portfolio Recovery Associates - Norfolk Virginia

  • Submitted:
  • Updated:
  • Reported By: Midwest Missouri
  • Author Confirmed What's this?
  • Why?
  • Portfolio Recovery Associates 120 Corporate Boulevard Norfolk, Virginia U.S.A.

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Portfolio Recovery have been contacting me on the job. They say I owe a debt to them, I checked my credit report and I did not see this debt, named on there. When I am not available they leave messages with co-workers. Is this even possible?

Well, the first time they called my work I researched it and found out I needed to take progressive measures and write them a letter and request they cease communication at my place of work. I did that, I even had the letter sent 2 to 3 day priority mail with delivery confirmation. It was sent out on a Monday and it was delivered on Wedensday morning that same week. I did not hear anything for a few days and I thought maybe it worked.

Yesterday they called my work again and left a message with a co-worker. I decided this is irritating me. I contacted my Attorney General by e-mail complaint (after I researched their site and noticed how many times their office has dealt with Portfolio Recovery), but I also mailed the Attorney General a written complaint and copies of th letter I sent PR, the USPS delivery confirmation, along with the phone number and extention the PR agent left with my co-worker.

They should not be allowed to continue to disrupt people in the workplace.

Show-me
Midwest, Missouri
U.S.A.

This report was posted on Ripoff Report on 04/09/2009 05:51 PM and is a permanent record located here: https://www.ripoffreport.com/reports/portfolio-recovery-associates/norfolk-virginia-23502/portfolio-recovery-associates-can-a-collection-agency-call-me-at-work-norfolk-virginia-442388. 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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REBUTTALS & REPLIES:
0Author
9Consumer
0Employee/Owner

#9 Consumer Comment

Please

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

POSTED: Friday, April 10, 2009

NCO is a third party scum bag collection agency
To the "this is a first party collection agency" try again
go to www.budhibbs.com and see what type of scum bags they really are
Send the a cease communication letter via certified mail with return receipt requested - keep copies of everything
They violate the letter then sue the crap outta of these losers
Keep us informed

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#8 Consumer Comment

Calling work clarification.

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

POSTED: Friday, April 10, 2009

A debt collector (not the creditor) must comply with the FDCPA; doesn't matter if they are working for the original creditor or subsequent debt buyer.

The restrictions of the FDCPA do NOT apply to a CREDITOR (as defined by the FDCPA.)

Special tip for debtors in NY State: NO ONE attempting to collect a debt may call your workplace UNLESS (a) they have your permission (in advance) or (b) the caller has a money judgment against you. This is per NY State General Business Law Article 29-h. EACH instance of violation is a separate misdomeanor and may be prosecuted by the State Attorney General or ANY COUNTY district attorney.

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#7 Consumer Comment

Nice try troll.

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

POSTED: Friday, April 10, 2009

A third party collector is a third party collector no matter how you try to slice it.
ONLY in-house original creditor collections may call the debtor at their place of employment.
You are still a third party slug and always will be.

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#6 Consumer Suggestion

First Party Collections

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

POSTED: Friday, April 10, 2009

If they are a first party collection agency, representing the origanal creditor, they can call you at any hour, anywhere, any time they please.

To get the calls to stop, pay the bill.

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#5 Consumer Comment

Robert is

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

POSTED: Friday, April 10, 2009

100% correct. Creditors also cannot call a third party (friend, family member, etc.) more than once to learn your whereabouts (unless they have have good and reasonable cause to believe after their first contact that the third party has learned where you are). Also, they cannot disclose to a third party that they are calling because you owe a debt. Definitely go to the site Robert mentioned- FDCPA violations were created because the government realized that creditors were abusing debtors and using deceptive practices to collect debts. Well, they're still doing it- protect yourselves!

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#4 Consumer Suggestion

Easy money for you.

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

POSTED: Friday, April 10, 2009

""Yesterday they called my work again and left a message with a co-worker. I decided this is irritating me. ""

This is easy-too easy! SUE THEM IN DISTRICT COURT for FDCPA violations. The court can award you ACTUAL damages, statutory damages up to $1000, and reasonable attorney fees.

You should visit the FTC website www.ftc.gov and download the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the Fair Credit Billing Act. Read these acts completely and then go hire an attorney who works on consumer credit issues.

The fact that they called your work after they received your letter will very likely result in you receiving a higher award from the court (embarassment at workplace, emotional stress, 3rd party disclosure, etc.)

In cases where I participated, the MINIMUM award to a debtor in district court was $4500; $1500 for the debtor and $3500 for legal fees.

You should have no trouble finding an attorney to sue them on your behalf for the FDCPA violations.

Good luck.

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#3 Consumer Comment

They are not allowed to call you at work

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

POSTED: Thursday, April 09, 2009

I went to abc news .com about bill collectors . I seen the video and I learned form there they cannot call you at work. If they got that ceased and desist letter by law they cannot contact you any more If they do they are violating the law and you can sue for harrassment and collect for damages

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#2 Consumer Comment

They are not allowed to call you at work

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

POSTED: Thursday, April 09, 2009

I went to abc news .com about bill collectors . I seen the video and I learned form there they cannot call you at work. If they got that ceased and desist letter by law they cannot contact you any more If they do they are violating the law and you can sue for harrassment and collect for damages

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#1 Consumer Comment

They are not allowed to call you at work

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

POSTED: Thursday, April 09, 2009

I went to abc news .com about bill collectors . I seen the video and I learned form there they cannot call you at work. If they got that ceased and desist letter by law they cannot contact you any more If they do they are violating the law and you can sue for harrassment and collect for damages

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