Report: #1042605

Complaint Review: Portfolio Recovery

  • Submitted: Thu, April 11, 2013
  • Updated: Sat, April 27, 2013
  • Reported By: Mary P. — Enfield Connecticut
  • Portfolio Recovery

    United States of America

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

I have received numerous calls from this company telling me that my husband owes money to Sears for a charged off account.  The account was supposedly charged off in 2000 it's now 2013.

I have told them he never had an account with Sears, one rep said "how do you know that" and "maybe he just isn't telling you".  I have had another ask me for my address and when I told her tell me what she had so I could verify it wasn't valid.  

I have looked up the limitations on these charged off accounts and even if he did have an account it was charged off 13 years ago.  The number that they call is in my name not my husbands and it's not even associated with him in any way so i don't know where they got the number, I just want them to stop harassing us.  
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This report was posted on Ripoff Report on 04/11/2013 06:21 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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#1 Author of original report

File a Report with BBB

AUTHOR: Mary P. - ()

I just recently filed a report with the BBB and got it resolved.  Portfolio Recovery closed the account.  We recieved our first letter from them which was confirmation of the account being closed and this was the first time we have ever heard from them besides the phone calls. 

The account was from Sears National Bank in the amount of $596.  I am happy that they will not be contacted anymore.

Upon researching this company I have found out that they try to get people to pay for accounts that don't exsist and some people pay for it and this kind of stuff needs to be stopped.  I wonder how many people have paid for accounts that didn't exsist.
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#2 Consumer Comment

These People Are Unscrupulous Thugs

AUTHOR: Karen - ()

I, too, received calls from Portfolio Recovery day after day, sometimes more than once a day. They even started calling on the weekend. I found out they were debt collectors by searching the Internet, but also read that it is a scam.

I always pay my bills on time and have never used credit cards, so I couldn't figure out why they were calling me. I was home and near the telephone when they called today, so I answered in hopes of stopping the harassment once and for all.

Immediately, the caller said he was calling to collect a credit card debt on behalf of a bank (I don't remember the name now, because it wasn't a bank I've ever used), in the amount of $14,000. I'm like WHAT??? I told him I've never used credit cards and he said, "Oh, yes you do. You did at one time."

I'm normally a calm, quiet person but when I was called a liar and falsely accused of owing something that I clearly don't owe, that made me furious. I was about to tell him he'd better bring proof of the debt to court.

The caller told me to calm down and asked me if my address was _________, if my birth date was ________ and if the last four digits of my SS# was _____.  The answer to all of those questions was NO. I did verify that he had the right NAME, but the rest of the identifying information was incorrect.

I'd better never get a call from Portfolio Recovery again. I'm still shaking although I took something while ago to calm me down. I should still sue Portfolio Recovery for harassment because, really, how much sense does it take to realize they need to verify a person's identity before threatening to drain their finances?

I don't think they care whether they have the right person, as long as they can intimidate someone into paying the charges. You are right in requiring the caller to verify the identity of the person they're seeking. If they don't stop harassing you, I would file complaints with the FTC and the BBB.
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