Scam Detective
Company

Portfolio Recovery Associates, LLC

Consumer Complaints
  • 58,074 consumer complaints filed with CFPB
  • 3 community reports from users

Portfolio Recovery Associates, LLC is a registered business tracked by the CFPB. The complaints shown here are consumer disputes filed with the CFPB, not fraud reports.

Details

CFPB Complaints
58074
BBB Status
{"business_name": "Portfolio Recovery Associates, LLC", "rating": "A+", "rating_score": 100.0, "accredited": false, "report_url": "/us/va/norfolk/profile/collections-agencies/portfolio-recovery-associates-llc-0583-51000164", "city": "Scotch Plains", "state": "NJ", "out_of_business": null, "categories": [{"id": "60226-000", "name": "Collections Agencies"}], "looked_up": "2026-04-16T17:49:23.788146+00:00"}
Industry
Debt collection

Connected Entities

Impersonation Scams

Reports from people targeted by scammers using Portfolio Recovery Associates, LLC's name.

The fraud operation used multiple phone numbers including 888-991-5696 to impersonate Portfolio Recovery Associates, LLC representatives collecting on alleged outstanding debts. Scammers pressured consumers to make immediate payments through unofficial channels and provide personal financial information over the phone. Victims later realized they were targeted by fake debt collectors when legitimate Portfolio Recovery had no record of the claimed debts.

4/18/2026

I just noticed a charge on my account that wasn't supposed to be there that read payer recovery 53 8446301705 . Research in a little bit more of the company is Portfolio Recovery Associates. So I canceled my card right away once the charge went through that's when I disputed it and I got my money back within a day. [BBB Scam Type: Phishing] [Business: Portfolio Recovery Associate Date Re] [Location: WA, USA - 99362]

28 days ago

I had been referred to a collection company for medical bills. I knew the name of the collection agency so I looked up their web site to get their contact number and make a payment ( or so I thought) When I mistakenly contacted (what I thought) was the collection agency, they prompted me to give my name with spelling, DOB, SSN, and email address. Because I had contacted THEM and thought they were a company called A-1 collections, I complied with these requests. They charged me a dollar to look up my collection account. They told me I had nothing showing on collections and the call ended. After the call, I called my credit card company and they showed a $1 charge from a company who listed the charge category as a subscription to a marriage/ family counseling membership, not a collection agency. Financially at this point, I am only out $1, however, I am concerned about the fact that they now have a recording of my voice answering a series of questions, answering "yes" and "no" questions and spelling my nameout; They have my phone number, social security number, email, and credit card number ( which I cancelled) and mailing address. The website for this company is https://collection-removal.webflow.io Their phone number is 844-675-2715 [BBB Scam Type: Identity Theft] [Business: Portfolio Recovery Associates - Impostor] [Location: CO, USA - 81147]

35 days ago

Sent 3 text messages, Feb 6th & 2 on Wednesday morning from text # 91651 saying.. This text is from Shepherd Outsourcing, a debit collector regarding your CAPITAL ONE BANK (USA), N.A. (for which the current creditor is Portfolio Recovery Associates, LLC) account. Visit https://portal.shepherdiutsourcing.com/s/GvVFq. Reply stop to opt-out or call 888-991-5696. # of message's varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. acct disclosure: Www.shepherdoutsourcing.com/waoosonb License Number 10916-99 SO Ref# 1011464405 Reply STOP to opt out. We have a limited time to work with you before we return your CAPITAL ONE BANK (USA), N.A. (for which the current creditor is Portfolio Recovery Associates, LLC) account to our client. See your options at http://portal.shepherdoutsourcing.com/s/GP1Sx or call 888-251-9830. This text is from Shepherd Outsourcing, a debit collector acct disclosure: Www.shepherdoutsourcing.com/waoosonb License Number 10916-99. Reply stop to opt out If your CAPITAL ONE BANK (USA), N.A. (for which the current creditor is Portfolio Recovery Associates, LLC) account is returned to our client. We may not be able to renew these offers. Save up to $830.98 in up to 10 payments when you visit https://portal.shepherdoutsourcing.com/s/G4dGo or call 888-251-9830. This text is from Shepherd Outsourcing, a debt collector acct disclosure: Www.shepherdoutsourcing.com/waoosonb License Number 10916-99. Reply stop to opt-out [BBB Scam Type: Debt Collections] [Business: Shepherd outsourcing] [Location: WA, USA- 98626]

47 days ago

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