Portfolio Recovery Associates Idiot from Portfolio Recovery calling my job threatening me ripoff Norfolk Virginia

PRA, when one of these low life collectors call, and there rude, nasty or playing the telephone tough guy, you call back and are lucky enough to get someone that claims there a manager, when you tell the name, they say noboby works here by that name. or we have no record of this call

Why is it every collector that posted here or CLAIM they own there company, is afraid to state where they work or the company the owe?

point is, I expect you to lie, for your friends. your a collector.

PRA, are great at denial, making false claims.

There is nothing you can say to change anyone opinion of this company that's dealt with them.

So what you got friends that work there, I got friends or people, I've meet that work in several police agencies, does that mean I know they never told a lie, made a mistake. No. and I'm not self center enough to say otherwise.

From some resaon you collectors, think your better then everybody, that you never ever defaulted on anything, I bet more then half the people doing collections, have account in collections.

collectors need intimidation and fear to deal with people, you attitude is one of greatness, if PRA or any collection agencies, can file suit against anyone, they would do it after one contact, PRA in there greed to make a buck, buy accounts that they can't legally collect and they lie to people, trick, do anything to make that dollar.

explain to me, If you buy a debt for less then pennies on the dollar, why sould you be paid the full amount, plus interest and the original creditor NEVER see any of that money.

collector should only be allowed to collect for creditors, not buy debts, and use the court to collect on investment.

I know of nobody that's lost money in stocks or investment use the court to get there money back and make a profit.

If you can sit there and say that every collector you work with there in the Hutchington office never lied or did anything wrong, then you just proved my point.

People that dealt with collector know the truth, unless your trying to make yourself feel better, over your choice of jobs and calling in life, keep telling yourself that PRA never did anything wrong, I never did anything wrong to take money from someone. people are not interested in any more lies from collectors.

Just because I no longer work there doesn't mean I do not have several friends that still work there. PRA DOES NOT ALLOW THE USE OF FAKE NAMES in any situation. And as far as signing the letters, I'm not sure I have ever seen a standard dunning notice personally signed by anyone at any agency. Unless it's a settlement offer or a receipt letter, ie. something a manager has printed by the debtor's request, generally they are not signed. PRA outsources all their lettering, as do most large agencies. What is your point that the dunning notice is not signed by a collector. A collector rarely see's any letter that is sent to a debtor, and it doesn't make a difference at all.

Pulling of a credit report as much as you claim is not permissible and they do this in an attempt to intimidate you into paying, they are abusing the system.

this collection agency has actual knowledge or knowledge fairly implied, they are causing harm to your credit report and score.

Credit reports generally don't change every month, so pulling your report to look for assests will not stand up in court.

The three major credit bureau's generally only update 4 times a year.

remember K claims to have worked for this collection agency and alot has changed in a couple of years, but he also claims to have owned his own collection agency for 7 years, which is it? I read the same on bud hibbs site, alot can change in a couple of years and if he is no longer working there and alot has changed, how does he know if the policy has changed, and there allowing fake names to go along with there intimidation.

PRA, not only uses fake names, but don't even sign collection letters they send. and they do not admit to phone calls, there great at denial, most collectors are some of the lowest life forms on this earth.(expect DON, from Ill.)

If a debts owed and a person is willing or trying to pay, it still ain't good enough for these people

PRA has 3 office locations 2 in VA and 1 in KS. PRA does not let their collectors to use aliases or fake names. They can pull your credit as often as they deem necessary to collect the account, usually they will every 6 months. If it was pulled more frequently than that, i.e. 2 times in 2 weeks, you may have another account with them. And yes, the pupose of them pulling a new CBR is for legal purposes, to search out your assets. The inquiry will show up as a hard inquiry.

There are 3 types of inquires that are done on your credit report.

first, is account review inquiries, these are not displayed to anyone but you and will not affect your credit score.

second, is Promotional inquiries, these also will not affect your credit score and are displayed only to you.

third, is regular inquiries, these do affect your credit score and stay on your credit report for 2 years, these come about when you request credit or someone that you have credit with, will look at your report to offer a higher credit.

now if a collection agency pulls your credit report without permissible purpose, or pull your credit report every month or twice in a month only to lower your credit score then you can sue them for injury to you credit report and credit score: fcra section 604(a)(3).

you need to prove that there action lowered your score, look at your credit report and see where the inquiries fall under.

another thing Misrepresentations by collector about themselves or the debt are actionable regardless of the intent.

Tamela, you need to put in writting(RRR) and tell them not to contact you by phone only communication in writting, also place in this letter the coversation this low life made to you at work and you want it investigated. Of course they will say this never happen, there good at that. you want to document every with this company.

Steve or "J" can probably address this better but I wonder if under current laws this is illegal b/c the number of inquiries into your credit affects your credit score. another form of harrassment? Once you send the validation letter the inquiries into your credit should stop until they validate the claim... Steve? "J"?

The reason collectors don't have to give there real name, its easier to intimidate someone and have no record of it. The company computers should be linked together, if they have more then one office.

Do you think a collector that willfully violates the law will make notes of the call or use a name that can be traced back to them. No

Do everything in writting with this company, they'll still call even after you send the letter not to call, there great at denial.

Its funny that law enforcement deal with the worst everyday and we must use are real names, unless were UC, but those names are recorded,
but a collector doesn't. its not about safety, but who has the most money to throw at lawmakers.

Then I check my credit report and they ran my credit twice in two weeks in june and once again last month. They are nuts!

CEASE CONTACT
Your Name
Mailing Address
City, State, Zip

Date

Name of Collection Agency
Mailing Address
City, State, Zip

Re: Notice to Cease Contact: Case # ________

[If the collection agency has sent written notice, your case number is likely in the letter. If you have not received a written notice from the collection agency, tailor this line accordingly. For example, show the date you were contacted by the collection agency.]

To [person whose name appears on agency's notice to you]:


On [date] was contacted by [name of person who called you] of your agency, who informed me that [name of collection agency] is attempting to collect [amount of claimed debt].

[OR]

On [date] I received a written notice of the claimed debt, a copy of which is attached.

This is to give you notice to cease all contact with me or anyone else except the creditor about this claimed debt. If you must contact me, please do so in writing and not by telephone.

I look forward to your acknowledgement that you have received this notice by [date that is two weeks from date of letter].

Sincerely,

GENERAL INFORMATION FROM VARIOUS SITES ON DEALING WITH COLLECTION AGENCY'S

Tell them to validate by

. What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account
Show me that you are licensed to collect in my state
Provide me with your license numbers and Registered Agent


1. NEVER talk to a collection agency on the phone. Period.
2. Keep good records. This can be the difference between a good and bad settlement. Don't expect them to remember you or what you agreed upon.
3. Send all correspondence via registered mail, receipt requested and put the registered mail number ON THE LETTER. DO NOT SIGN THE LETTER TYPE YOUR NAME
4. Keep a copy of every letter you send.
5. Penalties and extra interest are typically fictious amounts of money added on by the collection agency to pad their profits. Sometimes as much as to 50% of the debt or more claimed to be owed by a collection agency consisting of interest and fees. This is illegal, every state has usery laws (which dictate the maximum interests allowed to be charged. That is except North Dakota. There are no such laws which is why most credit card companies incorporate there.) Junk debt buyer pay anywhere from 1 cent to 7 cents on the dollar, there is no way there is this much interest.

Not trying to be a smart @ss, but did you tell them not to call you at work? You said that you asked them not to yell becuase you were at work, but your posting does not say you told them to stop calling you there. The FDCPA does allow for ceasing calls at work, as no one wants to see someone lose their job.

To properly cease calls to work or home number, sending them a letter (preferably registered mail)is the best way to go. Sample letters can be found on many sites, and I am sure that others will post good ones as well.

As for recording calls, in my office, we tell everyone that the call could be monitored or recorded for quality and compliance purposes. I don't know if all calls are recorded. Also, if Portfolio Recovery has more than one office, your call could have gone to another office, where they would not know the original caller. Also, your posting indicates you are in South Carolina. This means that legally they can use whatever name they want for themselves when they call you. Aliases are not prohibited, and there is not a state law saying that they have to be registered.

I have worked for this company before, they were very good and followed the laws very closely...apparently alot has changed in a couple years. SC is a non-wage garnishable state. They are not allowed to mention anything as far as wage garnishment. The calls are not recorded but may be monitored by QA and supervisors. And their notes will reflect the person who last noted the account, if they noted it. I would call them back and ask what the person's PRA# is that called you, or has last been working your account. File a complaint with the VA AG or SC AG.