Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Upon original contact which was around XX/XX/2025 someone called from an unknown number to me. They did not leave me a voicemail and I was reluctant to call the number back but after they called me several times with no voicemail I decided to call and see what this was regarding. Upon calling I was immediately asked for my name. My response was who is this? She identified portfolio recovery she asked for my name again and I told her. I dont know who you are and I do not provide personal information over the phone. She told me to have a nice day and hung up. They continued to call and continued to not leave me any type of voicemail. So I googled them and found an email address. I sent XXXX of the following emails : XXXX XXXX To whom it may concern, I have been receiving repeated phone calls from your organization. On the first occasion I returned a call, I was asked to share personal information. Given the current environment of widespread scams and identity theft, I do not feel comfortable providing personal details over the phone or via email without proper verification. I have every right to protect my personal information and privacy. 

If I legitimately owe a debt, I have already provided my mailing address, yet I have received no official written correspondence from your organization to date. This lack of documentation raises serious concerns about the legitimacy of the claim. 

Please note that I consistently provide accurate contact information in all legitimate business transactions, and I pay my obligations in full and on time. If there is indeed a valid debt, there should be a clear explanation for why it has not been paid. My credit history reflects my commitment to meeting my financial responsibilities. 

Additionally, I find it troubling that only recently did someone leave a voicemailwithout specifying whom they were trying to contact. Without identifying the intended recipient, there is no way for me to determine whether this matter even pertains to me or is the result of an incorrect phone number. 

I request that any further communications regarding this matter be made in writing and sent to my verified mailing address. 


XX/XX/2025 : Im resending this because I continue to get calls but no one ever responds to my email? Im NOT going to answer the phone on unknown numbers because of all the scams in our current environment. Im not going to return a call unless you state who you are, what you are calling about, etc. it is a well known fact scammers call and leave vague messages in the hopes they will get you and Im not risking that. Call me paranoid I dont really care but Ive been scammed enough to be cautious. By law if someone owes a debt you are supposed to mail them a statement or letter indicating this. I have NOT received a single thing in the mail. 

XX/XX/2025 : By law you are supposed to send me proof of any kind of bill that I supposedly owe. You have failed to send me whats been requested. Do I need to reach out to the insurance commissioner because I consider it harrassment when Ive asked on multiple occasions for the calls to stop. I have no clue who you are what you are trying to collect on. Im NOT calling and giving personal information over the phone due to scams if you arent trying to scam me then why arent you sending what you are required to do per the law? I pay my bills so if there is anything owed I can assure you it was due to a valid reason. Its not unreasonable to ask for proof and not communicating via phone. Not in todays climate no way am I getting scammed. 


To date I continue to get phone calls. To date I have never been emailed or mailed any type of communication showing me I have a legitimate debt. Upon investigating it appears there are people scamming saying they are with portfolio recovery when they are not. We have been scammed before and if I owe the bill legit then fine we can work that out but to expect me to provide personal information over the phone and Ive asked to be provided with something written and they have not to this very day. I feel like the constant calling IS harassment especially when Ive asked them to send me proof that I even owe this debt in the first place.

Company response to consumer: Closed with non-monetary relief