Independent profile — not affiliated with Portfolio Recovery Associates
Portfolio Recovery Associates
Portfolio Recovery Associates, LLC is a Norfolk, Virginia debt buyer and collector, a wholly owned subsidiary of PRA Group, Inc. (Nasdaq: PRAA). This page sets out PRA's own routes to review, dispute and resolve a debt as displayed on October 6, 2026, its credit reporting policy as it states it, the CFPB orders of 2015 and 2023 (including a pending 2026 motion to modify the 2023 judgment), the 2019 Massachusetts Attorney General settlement, notable class actions, and BBB, CFPB database and Trustpilot figures.
Complaints & Reviews on USAComplaints
USAComplaints currently maintains 298 historical complaints about Portfolio Recovery Associates, published between 2004 and 2013. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.
- Consumer Report
- Consumer Report
- Bottom-feeding charge-off debt collection
- Harassing and will not give info unknown
- Portfolio Recover Associates How to DEAL with these people
- A Complete Lack of Reasonable Interaction
- Fraudulent Judgement
- Deceptive, Rude Bottom Feeders
- They remind me of roaches, I HATE roaches
- Sears National Bank Harassing Phone Calls
- Scott Richard, Mike Benedict never changed plaintiff on judgement bought
- This company doesn't know what there doing nor how to handle problems
- Is a rip off operation
- Trying to collect on a dead debt, over ten yrs old, and insisting on double original price. Are they serious? Blocked forever! Thanks to nettalk!
- Capital one n.A./capital one bank n.A. I am being asked to pay $9781.08 on a 1999 credit card that I never opened, with a different address
- Money Internet
- 9 year old debt, charged off but trying to collect.internet
- Paul Copansky the Diamond Center 20 years ago I got a wedding ring for my soon to be wife, the account was paid off a few years after we married. Now 16 years later I get a collection bill for $4403.71
- How can you charge my acct when i closed the acct? I want it off my credit report Columbus
- They due ILLEGAL collections in VA and everywhere else
Complaint Themes
Independent Sources
Shown for context — not merged with USAComplaints' own numbers.
Contacts & Login
- PRA customer website (view account, pay): https://www.portfoliorecovery.com/
- PRA customer service (account, payments, disputes): 1-800-772-1413 81 complaints mention this number
- PRA customer care email (account questions): [email protected]
- PRA disputes email (disputes, hardship requests): [email protected]
- PRA account sign-in: https://www.portfoliorecovery.com/prapay
- PRA Group, Inc. (parent company) website: https://www.pragroup.com/
- BBB-listed phone for Portfolio Recovery Associates, LLC: (757) 519-9300 29 complaints mention this number
Locations
| Type | Address |
|---|---|
| Headquarters | 120 Corporate Blvd Norfolk VA 23502 |
| Mailing address | PO Box 12914 (payments) Norfolk VA 23541 |
| Mailing address | ATTN: Disputes, 120 Corporate Blvd Norfolk VA 23502 |
Portfolio Recovery Associates: how to review, dispute or resolve a debt (checked October 6, 2026)
Portfolio Recovery Associates, LLC (PRA) is a Norfolk, Virginia debt buyer and collector and a subsidiary of PRA Group, Inc. Its website says: “your original creditor sold us your account, and we now own your debt.” PRA is therefore a different business from the bank, card issuer or other original creditor named on its letters. Most archive posts on this page date from 2004 to 2013 and describe practices of those years; the sections below set out what PRA's own pages and public records say today.
Review the account. PRA's How it works page says that after signing in at portfoliorecovery.com you can see “the name of the original creditor/merchant/seller,” “the account balance and date that we acquired your debt,” and the dates the original account was opened and last paid.
Dispute the debt. The same page says: “To dispute this debt, you can contact us by phone, email, Live CHAT or letter.” PRA's FAQ gives toll-free phone 1-800-772-1413 (hours in Eastern Time: Monday to Friday 8am to 11pm, Saturday 8am to 7pm, Sunday 11am to 10pm; the Account information page says call centers close at 10pm Monday to Friday for customers in CT, IA, ID, MA, MN, NJ, NV and RI), the address “ATTN: Disputes, Portfolio Recovery Associates, LLC, 120 Corporate Blvd, Norfolk, VA 23502” and the email [email protected]. The CFPB says a collector must generally give the name of the creditor, the amount owed and how to dispute the debt in its first communication or within five days, that in certain situations you “only have 30 days” after being contacted to ask for certain information, and that you should keep copies of letters you send. The CFPB links sample letters, including one asking a collector to stop contacting you.
What the CFPB says about validation notices. A validation notice generally includes the current amount of the debt and “an end date for a 30-day period when you can dispute the debt.” If you send a written verification request within that period, “the debt collector must pause collecting the amount of the debt you are disputing” until it has adequately responded (CFPB Ask CFPB, checked October 6, 2026).
Stop-contact letters. The CFPB says a collector must stop contacting you if you ask, with limited exceptions, but “Stopping communication with a debt collector doesn’t make the debt go away”; the collector can still file a lawsuit or report information to a credit reporting company.
If you are sued. The CFPB says you “should respond to the lawsuit, either personally or through a lawyer by the date specified in the court papers”; if you don’t respond, the court could issue a “default judgment.”
Disputing credit report entries. The CFPB says to start by disputing in writing with the credit reporting company (Experian, Equifax, TransUnion), which must investigate and forward the dispute to the company that provided the information; PRA’s own credit-reporting policy is described above.
Credit reports. PRA's Credit Reporting page says it will not begin reporting eligible accounts “until 90 days after the date on our initial notice,” that within about 30 days after a final payment posts it will ask the credit reporting agencies to delete its tradeline, and that it deletes its tradeline “seven years after the original date of delinquency, regardless of paid status.” It also says it does not control how fast the agencies process requests.
If you are sued or garnished. PRA's FAQ says that if it has taken legal action “you can still set up payment arrangements,” and tells garnishment recipients to follow the paperwork from the court and contact the court with questions. PRA Group's Form 10-K says the company “initiates lawsuits against customers.”
Complaints. You can submit a complaint to the CFPB at consumerfinance.gov/complaint/ (the CFPB publishes complaints without verifying them). The complaint record below gives the BBB, CFPB database and Trustpilot figures as displayed on October 6, 2026.
CFPB, Massachusetts and other state actions involving Portfolio Recovery Associates
CFPB consent order, September 9, 2015. The CFPB's page says that on September 9, 2015 it issued an order against Portfolio Recovery Associates, LLC after finding that it “bought debts that were potentially inaccurate, lacking documentation, or unenforceable” and, without substantiating them, collected payments using false statements and lawsuits based on robo-signed court documents. The order required it to stop collecting about $3 million of judgments, halt collecting future debts that could not be verified, and pay $19 million in consumer relief and an $8 million civil money penalty. PRA Group's Form 8-K of the same date says PRA entered the order “for settlement purposes, without admitting the truth of the allegations, other than the jurisdictional facts,” and lists the terms as vacating 837 judgments obtained after the statute of limitations, refunding $860,607 and waiving $3,411,094 on those judgments, refunding $18,184,836 in “Litigation Department Calls Restitution,” and paying an $8,000,000 civil money penalty.
CFPB v. Portfolio Recovery Associates, LLC (E.D. Va.), 2023. According to the CFPB, on March 23, 2023 it filed a complaint and proposed stipulated final judgment alleging that PRA violated the 2015 order, the Consumer Financial Protection Act, the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and Regulation V, and the court entered the order on April 13, 2023. The CFPB lists the alleged conduct provisions as representing the amount or validity of unsubstantiated debt, collecting without offering documentation, misrepresenting that documents would be provided within 30 days, collecting time-barred debt without required disclosures, suing without required documentation and suing on time-barred debt, plus failures in handling disputes about information furnished to credit reporting agencies. The order requires at least $12.18 million in redress and a $12 million civil money penalty and imposes injunctive terms. In the order itself, PRA “neither admits nor denies any allegations in the Complaint except as specified in this Order” and admits the facts needed for the court's jurisdiction. PRA Group's 10-K for 2025 says PRA “entered into an order with the CFPB settling a previously disclosed investigation” and that the company is “currently executing our compliance plan as required by the 2023 Order.”
2026 motion to modify the 2023 order. The court docket shows that on March 11, 2026 PRA filed a Rule 60(b) motion asking the court to terminate the judgment as satisfied or, alternatively, to modify specific provisions. In its brief PRA says it “is not seeking to vacate that judgment,” that it has paid the redress and the penalty, and that its continuing obligations are “no longer necessary or equitable.” The CFPB's April 8, 2026 opposition argues that PRA's request “comes after two consecutive orders” and ignores “its long history of non-compliance.” PRA replied on April 20, 2026 and requested a hearing on May 26, 2026. The docket as retrieved on October 6, 2026 lists no ruling on the motion; the outcome is not known from the sources checked.
Massachusetts Attorney General, November 2019. The Massachusetts AG announced a $4 million settlement filed as an assurance of discontinuance in Suffolk Superior Court. The AG alleged that PRA demanded debts it could not substantiate, misled consumers about protections for exempt income, and routinely failed to verify information it reported to credit bureaus. The document states that “PRA denies the factual allegations made by the Attorney General and further denies that it has violated any applicable provision of Massachusetts or Federal law,” and that it agreed to the terms to resolve the dispute. Terms listed by the AG include ceasing to collect from consumers with only exempt income, obtaining documentation before collecting, telling consumers when debts are too old to collect legally, and calling no more than twice in a seven-day period; the document says these obligations last five years from the effective date unless the parties agree otherwise or federal law provides otherwise.
Multi-state attorney general investigation. PRA Group's 10-K for 2025 says the company received civil investigative demands from multiple state attorney general offices on November 17, 2015 relating to its U.S. debt collection practices, that negotiations to resolve the matter continue, that it has accrued for the estimated loss, and that it has “settled certain claims with one of the states.” Its June 30, 2026 Form 10-Q reports “no material developments” in that matter since the 10-K.
Missouri Attorney General (company statement). PRA's own December 12, 2011 press release says the Missouri Supreme Court declined on December 6, 2011 to hear the Missouri Attorney General's appeal after the Court of Appeals upheld in April 2011 the dismissal of the Attorney General's lawsuit under the Missouri Merchandising Practices Act, which the St. Louis circuit court had dismissed in June 2010. That is the company's account of the case; the court records were not read for this page.
About Portfolio Recovery Associates, LLC and PRA Group, Inc.
PRA says Portfolio Recovery Associates, LLC “was started in 1996 by Steve Fredrickson and Kevin Stevenson” and that it is a subsidiary of PRA Group, Inc., which trades on Nasdaq as PRAA. The Massachusetts assurance of discontinuance describes it as a Delaware limited liability company and a wholly owned subsidiary of PRA Group, Inc., with its principal place of business in Norfolk, Virginia. PRA Group's 10-K for 2025 describes the group as a specialty finance company whose “primary business is the purchase, collection and management of nonperforming loan portfolios,” bought from sellers such as banks, consumer finance companies and auto finance providers, with principal markets in the U.S. and Europe. PRA Group's SEC filings give 120 Corporate Boulevard, Norfolk, Virginia 23502 as its principal executive office, the same address PRA's site gives for the LLC.
PRA's site lists NMLS ID 934179 and says the LLC “has been a RMAI Certified Member Company since 09/2014.” BBB's profile records Virginia State Corporation Commission license number F1529629 for the business and lists “PRA III, LLC” and “Anchor Receivables Management” as alternate names without describing them.
On its website PRA says: “We will not charge you servicing fees nor resell your debt,” and its How it works page says PRA “won't resell your debt to anyone else” and “may give you a savings offer to resolve your debt for less than what you owe (this will appear as a payment option in your account).” These are company statements, not findings. Its Credit Reporting page states the reporting policy summarized in the practical section above.
Portfolio Recovery Associates complaint record: BBB, CFPB database, Trustpilot and this site's archive
BBB. As displayed on October 6, 2026, the BBB profile for Portfolio Recovery Associates, LLC, Norfolk, VA says “This business is NOT BBB Accredited” and shows the rating as “Not Rated,” with the reason “The business is in the process of responding to previously closed complaints.” It shows 7,149 total complaints in the last 3 years and 677 complaints closed in the last 12 months, and customer reviews averaging 1.39 out of 5 (“Average of 61 Customer Reviews”). BBB publishes selected complaint narratives and business responses, but warns that the displayed text “might not represent all complaints filed with BBB.”
CFPB Consumer Complaint Database. Under the company name “Portfolio Recovery Associates, LLC” the public database showed 66,807 complaints in total, of which 21,674 were received since 2025-10-04. By product: debt collection 53,093; credit reporting or other personal consumer reports 8,525; credit reporting, credit repair services, or other personal consumer reports 4,231; credit card 451. The most frequent issues listed were attempts to collect a debt not owed (20,809), written notification about the debt (9,299), taking or threatening negative or legal action (7,480), incorrect information on a report (6,391), false statements or representation (5,725) and communication tactics (5,381). Company responses: closed with explanation 38,249; closed with non-monetary relief 27,627; in progress 926; closed with monetary relief 5. Timely response was recorded for 66,085 complaints and not for 722. These are consumer submissions published without verification; they are not findings against the company, and they are not added to the BBB or archive figures here.
Trustpilot. The page for portfoliorecovery.com shows an unclaimed profile with 1.9 from 17 reviews and “No history of asking for reviews.” Trustpilot's page says “we don't fact-check reviews” and “We perform checks on reviews,” and that “Reviews are the opinions of individual users and not of Trustpilot.”
This site's own archive. 298 approved posts whose “offender” field names only Portfolio Recovery Associates (including misspellings and “collection agency” or LLC/Inc. suffixes) are linked to this page as its own complaints, dated 2004 to 2013 (2004: 3; 2005: 1; 2006: 16; 2007: 37; 2008: 87; 2009: 65; 2010: 25; 2011: 30; 2012: 31; 2013: 3). A further 18 approved posts name PRA together with another creditor, collector or law firm in the offender field and are linked as secondary mentions; they are not counted as this page's own complaints. Posts about other businesses that merely mention PRA in the text are not linked. The posts are unverified accounts written by site visitors, long predate PRA's current procedures and the orders described above, and most describe phone calls, collection letters and credit report entries. Theme counts under “Complaint themes” are keyword matches in the 298 linked posts, not findings.
Portfolio Recovery Associates consumer lawsuits and settlements
Telephone Consumer Protection Act multidistrict litigation (S.D. Cal.). Cases alleging that PRA called cellular phones without consent were consolidated on December 21, 2011 as In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, No. 3:11-md-02295. PRA Group's 10-K for 2016 says the parties reached a settlement in January 2016 and that PRA “paid $18 million to resolve the MDL action during the second quarter of 2016.” The docket shows an order and judgment granting final approval of a class action settlement signed January 23, 2017. The litigation did not end there: on July 5, 2023 the court granted PRA's motion for summary judgment, finding that the “undisputed evidence demonstrates Defendant did not utilize an ATDS” because plaintiffs acknowledged the numbers dialed were not randomly or sequentially generated. The order is captioned for all member cases; this page does not say which plaintiffs it covered.
Pounds v. Portfolio Recovery Associates (Durham County Superior Court, North Carolina). The North Carolina Justice Center says it received final court approval in June 2024 for a $5.75 million class settlement of a suit filed in 2016, which alleged PRA obtained default judgments without filing sufficient evidence to substantiate the debts. The Justice Center's description says PRA would stop collecting on the debts and file cancellations of default judgments totaling about $35 million for more than 18,000 class members; its September 10, 2024 update says checks of $50 to $5,000 were mailed from August 29, 2024 and become void after November 27, 2024, a date that has passed. This is the plaintiffs' counsel's description; the settlement agreement itself was not read.
Mejia counterclaim (Jackson County, Missouri). PRA Group's 10-K for 2016 says that on May 11, 2015 a jury awarded a consumer counter-claimant $251,000 in compensatory and $82,009,549 in punitive damages against PRA on claims of malicious prosecution and impermissible collection practices, that PRA believed the verdict was erroneous and appealed, and that in February 2017 the parties reached a settlement in principle. The 10-K does not state the settlement amount.
PRA Group's 10-K for 2025 also says customers “may initiate litigation against the Company in which they allege that the Company has violated a law in the process of collecting on an account.” Court filings are allegations until decided, and individual outcomes depend on the facts of each case.
Is Portfolio Recovery Associates Legitimate?
Portfolio Recovery Associates, LLC is a wholly owned subsidiary of PRA Group, Inc., a company that files annual and quarterly reports with the SEC and trades on Nasdaq as PRAA. PRA's site lists NMLS ID 934179 and RMAI certification since 09/2014, and BBB records a Virginia State Corporation Commission license number for the business. The CFPB, the Massachusetts Attorney General and courts have publicly dealt with PRA by name, as described in the sections above; the 2015 and 2023 CFPB orders and the Massachusetts assurance were settlements in which, per the documents quoted above, PRA either did not admit the allegations or denied them.
PRA's FAQ says its emails come only from the portfoliorecovery.com domain, will never ask for sensitive information and “will never contain threats of criminal charges, garnishment, or arrest,” and suggests confirming any doubtful message by chat or at 1-800-772-1413. The CFPB's debt collection page advises: a collector “is required to provide the name of the creditor, the amount owed, how to dispute the debt, and more.” Verifying that a caller is genuinely PRA does not answer whether you owe the debt: use the dispute and validation routes in the practical section.
Court & Public Records
| Case | Authority | Dates | Type | Outcome | Source |
|---|---|---|---|---|---|
| Consumer Financial Protection Bureau v. Portfolio Recovery Associates, LLC (stipulated final judgment) Docket No. 2:23-cv-00110 | U.S. District Court, E.D. Virginia (Norfolk) | Judgment | Judgment entered The CFPB filed its complaint and a joint motion for a stipulated final judgment on March 23, 2023; the court entered the Stipulated Final Judgment and Order on April 13, 2023 (the docket records the judge's signature as April 12, 2023). The order requires redress of at least $12.18 million and a $12 million civil money penalty, and states that PRA “neither admits nor denies any allegations in the Complaint except as specified in this Order.” On March 11, 2026 PRA filed a Rule 60(b) motion asking the court to terminate or modify the judgment; the CFPB opposed on April 8, 2026; no ruling appears on the docket retrieved October 6, 2026. | Source | |
| In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation (class settlement) Docket No. 3:11-md-02295-JAH-BGS | U.S. District Court, S.D. California (MDL No. 2295) | Settled | Settled The docket shows an “ORDER and judgment granting Final Approval of Class Action Settlement” signed by Judge John A. Houston on January 23, 2017. PRA Group's 10-K for 2016 says PRA paid $18 million to resolve the MDL action in the second quarter of 2016. The order text and settlement terms were not read for this page, so class definitions, claim deadlines and per-member amounts are not stated here. | Source | |
| In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation (summary judgment for PRA) Docket No. 3:11-md-02295-JAH-BGS (2) | U.S. District Court, S.D. California (MDL No. 2295) | — | Judgment | Judgment entered On July 5, 2023 Judge Houston granted PRA's motion for summary judgment, finding that “the undisputed evidence demonstrates Defendant did not utilize an ATDS” under the TCPA because plaintiffs acknowledged the numbers dialed were not randomly or sequentially generated, and denied PRA's motions to exclude expert testimony as moot. The order is captioned for all member cases. The docket lists a clerk's judgment the same day; this page does not say which plaintiffs it covered. | Source |
| Pounds v. Portfolio Recovery Associates (North Carolina default judgment class action) Docket Docket number not stated in sources read | Superior Court, Durham County, North Carolina | — | Settled | Settled The North Carolina Justice Center says the court granted final approval in June 2024 (a hearing on June 12, 2024) to a $5.75 million class settlement of a suit filed in 2016 that alleged PRA obtained default judgments without sufficient evidence. Per the Justice Center's description, the settlement covers more than 18,000 class members and requires PRA to stop collecting the debts and file cancellations of default judgments of about $35 million. Settlement checks mailed from August 29, 2024 became void after November 27, 2024. Based on plaintiffs' counsel's description; the settlement agreement was not read. | Source |
| Portfolio Recovery Associates, LLC v. Mejia (counterclaim verdict) Docket Docket number not stated in sources read | Circuit Court, Jackson County, Missouri | — | Judgment | Judgment entered PRA Group's 10-K for 2016 says a jury on May 11, 2015 awarded the consumer counter-claimant $251,000 in compensatory damages and $82,009,549 in punitive damages on claims of malicious prosecution and impermissible collection practices, that PRA appealed, and that in February 2017 the parties reached a settlement in principle; the amount is not stated. No court record was read for this page. | Source |
| State of Missouri v. Portfolio Recovery Associates, Inc. et al. (Merchandising Practices Act suit) Docket Docket number not stated in source read | Circuit Court, City of St. Louis; Missouri Court of Appeals; Missouri Supreme Court | — | Dismissed | Dismissed According to PRA's December 12, 2011 press release, the Missouri Attorney General's lawsuit alleging unfair debt collection practices under the Merchandising Practices Act was dismissed by the circuit court in June 2010, the dismissal was upheld by the Court of Appeals in April 2011, and the Missouri Supreme Court declined on December 6, 2011 to hear the Attorney General's appeal. This is the company's account; court records were not read. | Source |
Related Complaints
Names this company in a role other than the primary subject — not necessarily current or complete.
Company Relationships
- Owned by: PRA Group, Inc.
Frequently Asked Questions
Who is Portfolio Recovery Associates and why is it contacting me?
PRA's FAQ says: “If you’ve been contacted by us it’s because your original creditor sold us your account, and we now own your debt.” It describes itself as a subsidiary of PRA Group, Inc. and says you can review the original creditor, balance and acquisition date after signing in. A debt buyer is a different company from the original creditor. Pages checked October 6, 2026.
How do I dispute a debt or ask Portfolio Recovery Associates for proof?
PRA's How it works page says you can dispute “by phone, email, Live CHAT or letter”; its FAQ lists 1-800-772-1413, “ATTN: Disputes, Portfolio Recovery Associates, LLC, 120 Corporate Blvd, Norfolk, VA 23502” and [email protected]. The CFPB says that in certain situations you “only have 30 days” after being contacted to ask for certain information, and recommends keeping copies of letters and communications. Pages checked October 6, 2026.
How does PRA report to credit bureaus and when does it delete an account?
PRA's Credit Reporting page says it will not begin reporting eligible accounts until 90 days after the date on its initial notice, will request deletion of its tradeline within about 30 days after a final payment posts, and deletes its tradeline seven years after the original date of delinquency regardless of paid status. It says it does not control how the agencies process its requests. These are company statements as displayed October 6, 2026.
What did the 2023 CFPB order against Portfolio Recovery Associates require?
The CFPB says the order entered April 13, 2023 requires at least $12.18 million in redress to harmed consumers and a $12 million civil money penalty, plus injunctive terms, to resolve its claims that PRA violated a 2015 CFPB order, the FDCPA, the FCRA and related rules. In the order, PRA “neither admits nor denies any allegations in the Complaint except as specified in this Order.” Pages checked October 6, 2026.
Is the 2023 CFPB order still in effect?
The court docket for the 2023 case shows PRA filed a Rule 60(b) motion on March 11, 2026 seeking early termination or modification of the judgment, the CFPB opposed it on April 8, 2026, and PRA replied on April 20, 2026. No ruling appears on the docket as retrieved on October 6, 2026. PRA Group's June 30, 2026 Form 10-Q reports no material legal developments since its 10-K, which says the company is executing the compliance plan the order requires.
What was the 2019 Massachusetts Attorney General settlement?
The Massachusetts AG announced a $4 million assurance of discontinuance in November 2019 alleging unsubstantiated debt demands, misleading statements about exempt income and failures to verify information reported to credit bureaus. The document says PRA “denies the factual allegations” and denies violating Massachusetts or federal law; it lists practice commitments such as calling no more than twice in a seven-day period. Pages checked October 6, 2026.
How do I make Portfolio Recovery Associates stop calling?
The CFPB links a sample letter for telling a debt collector to stop contacting you and advises sending such letters as soon as possible after first contact and keeping copies; PRA's FAQ asks customers to contact it so it can learn about their situation. The CFPB page says these sample letters are not legal advice. A federal court granted PRA summary judgment on July 5, 2023 in the telephone-call class litigation described in the litigation section. Pages checked October 6, 2026.
Where can I file a complaint about Portfolio Recovery Associates?
The CFPB accepts complaints about debt collectors at consumerfinance.gov/complaint/ and publishes them in its public database without verifying them; BBB also accepts complaints on its Portfolio Recovery Associates, LLC profile. PRA's own dispute channels are listed in the practical section. Complaint counts as displayed on October 6, 2026 are in the complaint record section.
How can I tell whether an email or call really comes from Portfolio Recovery Associates?
PRA's FAQ says its emails are sent only from the portfoliorecovery.com domain, include the company's full name and contact information, never ask for sensitive information and never contain threats of criminal charges, garnishment or arrest, and it offers chat or 1-800-772-1413 to confirm a message. It tells people who gave information to an impostor to contact local police. Page checked October 6, 2026.