This "Utah" company, who is yet to speak to either my husband or myself because we ignore calls from places we do not know anyone from (Utah).  I am now reading they are a SUCCESSFUL scamming company, with numerous (as in thousands) of lawsuits against them.   FILE A REPORT on these scums of the earth!

File yours (you don't have to write something out like I did just fill out the form):

https://www.ftccomplaintassistant.gov/
THESE CALLS ARE NOT COMING FROM DISCOVER CARD, BUT ARE SPOOF CALLS FROM
PORTFOLIO RECOVERY ASSOCIATES, 120 CORPORATE BLVD, NORFOLK VA. 23502.

UPDATE » I called 800-discover & they told me that IN-FACT this is a scam !!!!  It's not their #. Don't give any info out to anyone calling EVER just hang up & call the # on the back of your card I'm glad that they only got my name & address & I didn't give them my bank info ....  Don't be stupid ... My card has been canceled & I have a NEW ONE COMING ....  Again these guys are bottom FEADERS ... Lower than a SUCKER FISH ? give then NO INFORMATION. AT ALL?? call the man a b*****d or the woman a bi*** & hang up !¡!

Just received a call & now that I'm thinking about it I almost got scammed ... The lady picked up & said my bill was late & they needed my credit card # which I gave them cause the # came up "discover financial" but then it got interesting »» we pay our discover card bills at our local "K-MART" we went the day before & their computers were down ... Ok went the next day & again their computers were down finally the next day they weren't ... But back to the call » she said if "RIGHT NOW" I give them my bank routing # & account # they would set me up for automatic payments ... When I said to her "I have to think about it" she said she would wait for me to talk with my wife .. I said I can't make that decision my self ? she said I have to do it right now ... & if I called back she couldn't take the $70.00-some dollars off my bill she kept going on & on about doing it right now ? so I spoke up & Sadi to her this sounds like BLACK MAIL & HUNG UP ON THE B¡TCH ...
So they got out of me my address & account # so now I'm calling discover & requesting a new card & # ... Don't be fooled by theses JA?KÄ??Ë? THEIR ( 801 ) # is not a "TOLL FREE" 800-888-877 # it is a scam to get your info don't do it...the # came from Utah ...   Be wise hang up & call the # on the back of your card ¡

This is not my account. Call again and i will report you.

These F-ers at Discover are calling me 24/7, but little do they know they are just calling my
Google Voice account and going into a black hole..  God I love technology.  They can call all
day long, they'll never harass me. At the same time, I just crank call them all day long.  lol

Discover can eat my s|-|it....

They'll get paid when I feel like paying.

They started calling me on my cell phone a few days ago.  I don't have any credit cards, much less a Discover card.  Nor do I WANT one!  They've mostly called in the afternoon, but just called at 8 a.m. on a day when everyone in my house was still asleep.  Thanks jerks!  Not looking forward to hearing these calls several times a day for the forseeable future.

This is Discover Card. They call 2 to 8 times a day. They also use different phone numbers. They call friends, family, neighbors and work numbers to harrass you. If you don't have the money you don't have the money. Can't help it at the point. When things are going go they keep raising your limit. You get behind and they harrass the hell out of you. One day last on a payment and they start calling and emailing you and everyone they think you might know.
They use 888-728-3133 as another number.

This is Discover Card that is calling 6 to 8 times a day, everyday. This includes Holidays and weekends.
Other numbers they use are 888-728-3133, 80-902-2429, 801-902-3152, 614-283-1943, 614-283-1952, 888-728-3135. If they would stop calling they would save a lot of money. It doesn't bother me so I don't know why  they keep calling. I have two other numbers and they call them 6 to 8 times a day also.

they call late at night, early in the am.  when i answer they don't say anything. how do i get them to quit calling?

Payback? Consumer lawsuits against bill collectors skyrocket

By Tony Pugh, McClatchy Newspapers Tony Pugh, Mcclatchy Newspapers – Thu Jul 1, 5:08 pm ET
WASHINGTON — Shawn Traylor of Stamford, Conn. , still doesn't know what the debt was for or how much it was.

He did know it wasn't his, and he knew he wasn't going to pay it.

So when bill collectors started calling four to five times a day in March, Traylor, a 39-year-old finance officer, sent them a letter asking them to verify that the unknown debt was his.

When he got no reply, he sent another letter, this time by certified mail, asking that they stop calling his home since they never verified that he was the delinquent account holder.

Instead, Traylor said, the collection agency called the next day. "And the day after that, and the day after that and the day after that," he recalled.

Sergei Lemberg , Traylor's attorney, said the continued calls after Traylor asked in writing that they stop were a violation of the Fair Debt Collection Practices Act. The law bars debt collectors from using abusive, unfair and deceptive tactics to force consumers to pay.

Since the recession hit in 2007, federal lawsuits filed under the Fair Debt Collection Practices Act have more than doubled, while complaints about problem collectors have skyrocketed.

In addition to Traylor's lawsuit, which is in settlement negotiations, Lemberg's firm has filed about 1,500 such lawsuits in the past three years. He said the economic downturn has created a nightmare for cash-strapped borrowers and lenders now saddled with delinquent accounts.

"I think debt collectors have become more aggressive by necessity because folks just have less money. And how do you collect more from people who have less money? You have to become more aggressive," Lemberg reasoned.

As a result, consumers feel cornered. "And consumers are more likely to think legal when they're being cornered" Lemberg said.

The numbers suggest he's right. In 2007, nearly 4,400 federal lawsuits were filed for alleged violations of the law, according to WebRecon, a website that tracks the filings for the collections industry.

As the recession deepened, the number rose to 6,000 in 2008 and then to nearly 9,300 in 2009. This year, filings are on pace to reach nearly 12,000, said Jack Gordon , the president of WebRecon.

Unlike Lemberg, Gordon doesn't think the filing frenzy is rooted in the recession. He said the spike in lawsuits began years before the economy tanked. The greater culprit, he asserts, is the Internet.

"You can't type the name of a collection agency into a search engine without getting bombarded by (advertisements) from consumer attorneys begging you to call them before you pay a penny to a collection agency," said Gordon, a former debt collector who left the business over frustration with frivolous lawsuits.

Generally, debt collectors can't contact you at inconvenient places or times, such as at work or between 9 p.m. and 8 a.m. — unless you okay it. The law also prohibits bill collectors from threatening violence, using profane language, or using the phone to annoy someone. Collectors also can't lie or misrepresent themselves or the amount a consumer owes.

The law requires that collectors, within five days of first contacting a consumer, send a written "validation notice" that gives the name of the creditor, the amount owed and what to do if you dispute the debt.

Gordon said "gray areas" of the law make it hard for collectors to follow the guidelines and do their job. For instance, the law requires debt collectors to identify themselves in messages left for consumers. But it also prevents them from telling others about a person's debt.

"So if you get a (phone) message from a collection agency, you can claim they disclosed the debt to a third party because your buddy heard the message," Gordon said.

Websites such as Debtorboards.com and DebtorsFoxhole.com, also tell consumers the ins and outs of filing lawsuits to block overzealous collectors.

"People find their way to a website like that and then they're suddenly greeted by a community of people who tell them: 'You don't have to take that, you can sue. Here's how you do it.' They provide the instruction, the legal advice and the moral support," Gordon said.

Costs are an even bigger driver in the lawsuit surge. In most cases, it's cheaper for collection agencies to settle rather than fight a case, Gordon said. A collection agency can spend $10,000 to $15,000 to defend itself in a lawsuit. If the consumer wins, the agency will likely have to pay their opponent's legal fees as well.

"Now you're looking at $30,000 to $40,000 just for choosing to fight the case and not having won it outright," Gordon said.

Violations of the collection law can provide up to $1,000 in statutory damages and can include additional "actual damages" for mental, physical and emotional suffering. Plaintiff's legal fees are often awarded as well.

A borrower's actual debt isn't automatically erased with a victorious lawsuit. How the debt is resolved, however, can become part of the settlement negotiations.

Nonetheless, collections company tactics can be aggressive.

Philadelphia attorney Brent Vullings said: "Our concern is not with the underlying debt. Our concern is how they go about trying to get it and that's exactly what the (law) is in place to assist consumers with."

It wasn't until 2008, when millions of people lost jobs and were unable to pay their bills that problems with bill collectors really took off. Awash in red ink, credit card issuers declared as losses, or "charged off," $53.5 billion in uncollectible accounts in 2008 and nearly $81 billion in 2009, according to CardHub.com.

As collection agencies hired more people to handle the bad accounts, complaints about bill collectors exploded.

Debt collectors didn't crack the Federal Trade Commission's top 20 list of consumer complaints in 2007. In 2008 and 2009, however, they logged more than 224,000 FTC complaints — second only to identity theft.

Vullings said that many complaints stem from mistaken identity, in which a collector wrongly thinks the actual debtor is on the phone.

"I've had collection agents tell people, "I know it's you,' 'don't lie to me,' 'stop skating the issue.' I get that all the time, Vullings said. "So you can just imagine what's being said and done to a person who actually has the underlying account."

Steven D. Fredrickson‎
3208 Stapleford Chase
Virginia Beach, VA 23452
(801) 902-2429


Steve and Mara are having a party at their house. Everybody who they have scammed over the years are cordially invited to come over - bring a gift.

Hey Fredrickson - why don't you just admit your company is a total scam operation, then at least we'd have a little bit of respect for you...as it stands now, you are nothing but a thief and a liar.

PRAA is a publicly held and they just successfully raised ton of $ with another public offering because they are so good at collecting old (beyond the statue of limitations) debt. They seem to be the darling of Wall St. which would fit with their scams - all crooks. Not an honest man or woman in the place. They are being sued by a number of states and individuals. But since Wall St. thinks they are a cash cow they can do any scammy, illegal collection practices they want. Disgusting bunch of subhumans with no ethics, morals or manners.

Best thing to do if harassed is to contact your state attorney general and file a complaint. Some states have set up special sites and hot lines to report such criminal behavior. Do not speak with them or respond to any correspondence. If they send you a 1099C call the IRS and inform them as this is not a legal document.

Steven d Fredrickson - how many innocent people are you going to scam today punk? come on and tell us...100?, 1,000?, 10,000?,,, more??

NEW YORK (Dow Jones)--Shares of Portfolio Recovery Associates, Inc. (PRAA) reached a new high for the first time since September 2008 on Friday, a day after the collection agency reported strong fourth-quarter results that beat Wall Street estimates.

Chairman, President and Chief Executive Steven D. Fredrickson attributed the positive results to $75.1 million in portfolio acquisitions, improvements in collector productivity and the strengthening of the companys fee businesses.
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Congratulations Fredrickson on your master fraud activities - you are a clever mother F*er ain't you, you scamming POS.

Don't worry about it - you're gonna windup in jail you arch criminal thief - only a matter of when.

This punk Frederickson needs to be slapped upside his head

The little CSer Fredrickson is whoaring his own company and dumping the stock - he knows it will all be over soon.


3-Aug-09  12,000 PRAA Option Exercise at $13 per share.
(Cost of $156,000)
3-Aug-09  1,000 PRAA Disposition (Non Open Market) at $0 per share.
3-Aug-09  2,204 PRAA Sale at $46.61 - $46.75 per share.
(Proceeds of about $103,000)
3-Aug-09  9,796 PRAA Sale at $46.44 - $46.92 per share.
(Proceeds of about $457,000)
10-Mar-09  6,000 PRAA Option Exercise at $13 per share.
(Cost of $78,000)
27-Feb-09  *44,783 PRAA Acquisition (Non Open Market) at $0 per share.
27-Feb-09  *44,783 PRAA Disposition (Non Open Market) at $0 per share.
14-Nov-08  13,179 PRAA Acquisition (Non Open Market) at $0 per share.
27-Aug-08  600 PRAA Disposition (Non Open Market) at $0 per share.
28-Feb-08  *51,847 PRAA Acquisition (Non Open Market) at $0 per share.
28-Feb-08  51,847 PRAA Disposition (Non Open Market) at $0 per share.
26-Feb-08  10,000 PRAA Option Exercise at $13 per share.
(Cost of $130,000)
   * Indicates that some (or all) shares are held indirectly (e.g. in a trust, by a spouse, etc.)

This Portfolio Recovery Associates is a malignant scamming company. They hire drones of collectors to harass people, even at random, and they hope to find old senile prospects who are confused and give in to their harassment and pay them money, perhaps a lot of money and the drone collectors receive a commission.

Really - a very long prison sentence needs to be given to these criminal scammers...including the employees who are complicit in these crimes.

We keep getting calls from this number if  I pickup their no one their or it is some one that is hard to under stand.  then they say we are looking for so and so and is not my name  so good by.

801-902-2429 is Discover Credit Card collector/bugger

Rumor has it Steven d Fredrickson has impregnated his sluuty daughter Jenna Fredrickson. There's a poll going on by the employees at Portfolio Recovery Associates as to what day the Muslim holy child will be born - they are going to name it Muhammad David Fredrickson.

Merry Christmas and Happy Chanukah to the family of Steven D. Fredrickson‎, Mara Fredrickson, and Jenna Fredrickson as they open their greedy presents paid for by the people whose money they stole and lives they ruined.

Hi Jenna Fredrickson - Ask your papa, Steven D Fredrickson if he will sell you to me. It's just a matter of price with him. What's the asking price? I'll bid $500 - Whadayasay Steve?

Whoever this company is, they have been calling my number many times per day, Monday to Sunday.  What can we do with this people who calls us every fxxxing day, it's unbearable.

I have e-mailed Portfolio Recovery Assoc., as above Rattlesnake identified the offensive party, and received the following:
Your email has been received.  I do not find  [your telephone numbers] in our system at this time. Also, 801-902-2429 does not belong to our company.

Mark Davidson
Assistant Vice President
Portfolio Recovery Associates
This communication is from a debt collector

I get 4 or more calls a day from this number Monday through Satuday and at least 1 time on Sunday. So that comes out to at least 25 times a week. They have done this for 3 full months and were into the 4th month. Sometime a they leave an automated message and sometimes no message.

this number keeps coming on my caller id when i do answer it no one says anythging and then they call back asking for different people. tired of it

this number is on my caller id every day. Someone is trying to make me believe I am some strange name and when I notify him I am the wrong person, that miserable creature asks me for the routing number of my checking account. What a strange request. Then he listens to my explanation, pauses for 5 seconds and asks for the routing number again. US is the only country in a world where I was able to meet the greatest and the most stupid people I ever saw in my life.

this number has called me 13 times in the last 4 days and triggered my voicemail twice, identifying themselves as either discover card or discover financial services, how the f did they get my number. what sucks more is that i have a prepaid cell phone so i dont want to pick it up just to have them hang up on me, which they have done. i dont have a discover card and i never give my cell number on any form or survey. they usually wake me up when they call for the first time each day too

I have contacted the FTC and the FCC (and I will continue to do so every time I get a call from Discover)to report repeated telephone calls from Discover looking for someone I have never heard of. This is irresponsible corporate citizenship and consumers should not be subjected to their abuse of the communications systems.