A proposed class action out of New York details one consumer’s allegations that defendant ARS National Services, Inc. mailed her a collection notice in which the company falsely implied her chances of obtaining “favorable terms” for Chase services in the future would increase so long as she paid her debt in full.
The case says the January 2018 collection notice contained an offer to settle the plaintiff’s $2,231.28 balance for a little less than $670. According to the suit, the communication stated:
“If we settle this debt with you for less that [sic] the full outstanding balance, Chase may offer you less favorable terms in the future for some Chase products or services or may deny your application.”
Such a statement is false and deceptive in that it “does not truly afford the consumer” her proper rights and ability to dispute the debt, as the defendant encourages the plaintiff to pay in full rather than dispute even a part of the debt, the lawsuit claims.