Portfolio Recovery Associates, Inc. Debt Collection Complaint

Portfolio Recovery Associates, Inc. Debt collection department,

Credit card Disclosure verification of debt Right to dispute notice not received Nevada

I have been contacted - by Portfolio Recovery in within one month in -/-/- concerning a debt they allege I owe to - -. Since I am a current - - Card hold I requested the address so that I may write Portfolio Recovery to request the verification of debt in writing. The - person who called me gave me an address. I asked her how I should reference the account so that I would receive the correct information. She told me to reference - - in the letter. I mailed the letter, certified return receipt and was not provided a response. Another associate contacted me at - on -/-/- stating that she was attempting to collect a debt on behalf of - -. I explained to her that the previous associate was not very helpful and that I still had not received a verification of debt. She stated that a letter was sent to me in -/-/-. I asked if it was sent to - -, NV, where I currently live. She stated yes. I explained I had not received the notice and I was questioning the validity of the debt. She argued that I did receive it. I asked repeatedly for her to resend the letter, and mail it requiring a signature so that there would be no misunderstanding about whether or not I received the letter. The young lady raised her voice and attempted to steer the conversation back to how I planned to pay the debt off. I was not going to discuss an account that I was unsure I owed, and I also needed to verify the statute of limitations of the collection, but explained to her that I would not do so telephonically, but with a written letter from Portfolio Recovery. The associate never gave me opportunity, reference number, or address where I could address my concerns, but continued to raise her voice. I terminated the call because I did not feel that it was productive and we were talking in circles.