Portfolio Recovery Services Hounded by this company for fictititious debt Norfolk Virginia
My husband has been called several times a week by this company for a debt that is not his. Apparently, they are fishing for someone with the same name but are very nasty and threatening on the phone. They claim that they are collecting for Capitol One. Neither of use have now or ever would deal with Capitol One because of their poor reputation. Portfolio Recovery also provides no details on the debt and yet hound him for his SSN.
Anne
Billerica, Massachusetts
U.S.A.
3 Updates & Rebuttals
Anonymous
Billerica,Massachusetts,
U.S.A.
Hopelfully this is resolved.
#4Author of original report
Sun, December 12, 2010
Found a bad former address in one of my husband's credit reports. They seem to have disappeared since we made that discovery.
The last time I spoke with them, I told them that if they were not going to provide more information, we certainly were not going to share any information with them. That was more than a year ago.
Stuart
Trenton,New Jersey,
U.S.A.
What to do
#4Consumer Suggestion
Thu, June 25, 2009
"Portfolio Recovery also provides no details on the debt" By certified mail, request proof of debt as allowed under the Fair Debt Collection Practices Act.
John
Louisville,Kentucky,
U.S.A.
RE:
#4Consumer Comment
Sun, June 21, 2009
This will almost always work:
Step One:
Send them a letter via Certified Mail + Return Receipt stating:
Per the Fair Debt Collection Practices Act, I am requesting that you cease all communications with me about this alleged debt. This is not my debt. This letter is being time stamped via Certified Mail and I can confirm receipt. I will pursue each subsequent phone call from your office with a $1,000 per incident penalty for Fair Debt Collection Practices Act violations
Step Two:
Next time they call, read the following statement:
Pursuant to [your state] state law, this is to inform you that this phone call is being recorded. If you do not consent to being recorded, you need to terminate this call. Pursuant to [your state] state law, continuation of this phone call after officially being informed that it is being recorded implies consent to be recorded. This recording will be used to pursue Fair Debt Collection Practice Act violations in a court of law.