Alltran Financial, LP is the defendant in a proposed class action in which the plaintiff claims the company mailed him a collection notice in February 2018 in which it stated a “current amount due” without providing any further clarification. The lawsuit argues that although the plaintiff’s account was not subject to the accrual or interest or fees, Alltran’s statement of a “current balance” falsely suggests the balance is subject to change.
The lawsuit’s second count elaborates on allegations that Alltran’s collection notice wholly failed to convey the amount of debt owed in a clear and accurate manner from the perspective of the least sophisticated consumer. According to the complaint, the letter is “vague and misleading” with regard to the nature of any additional charges rolled into the plaintiff’s balance. Further, the case says the notice includes a list of categories of charges since “charge-off” that all read zero, yet the notice then states the balance “as of charge-off” as $1,167.75. Somewhat confusingly, the letter then lists the plaintiff’s current amount due as $1,271.38, the suit notes.
“No explanation is provided as to how the balance has increased, when all categories of post ‘charge-off’ charges are listed as ‘0.00,’” the complaint claims.