Portfolio Recovery Associates Allegedly Rejects Verbal Disputes, Suit Says

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Portfolio Recovery Associates, LLC is facing a proposed class action that claims it unlawfully miscommunicated consumers’ right to dispute in collection letters it sent. The plaintiff says he received a letter that listed the defendant’s “DISPUTES CORRESPONDENCE ADDRESS” and specified a physical location to which the plaintiff could send a potential dispute. The suit argues that this language implies to consumers that any disputes they have regarding their alleged debts must be submitted in writing only. According to the complaint, the Fair Debt Collection Practices Act does not require written disputes and Portfolio Recovery Associates imposes an unnecessary and unlawful requirement on consumers through its supposed rejection of oral disputes.