Sequium Asset Solutions, LLC is the defendant in a proposed class action filed by a Wisconsin consumer who claims the company sent her a “misleading and confusing” debt collection letter. The lawsuit argues that the defendant violated the Fair Debt Collection Practices Act by using language that failed to provide the plaintiff with a clear understanding of her debt.
The complaint alleges that the letter failed to identify the plaintiff's creditor and stated that she may resolve the debt by paying "from an old statement."
“…[D]ue to the addition of interest and late fees on a credit card debt, the amount of the debt on any ‘old statement’ could be significantly different from the amount sought in the Letter,” the lawsuit reads.
The lawsuit claims that the language used in the letter had “an intimidating effect, making the unsophisticated consumer feel that she is in over her head and had better pay rather than question the demand for payment.” The complaint also alleges that the letter referred the plaintiff to a form on the defendant’s website to dispute the debt, but unlawfully required the plaintiff to provide her phone number and e-mail address to continue. It is unlawful for a debt collector to apply unique conditions to allow a consumer to dispute a debt, the lawsuit says. The case argues that language used in the letter and the defendant’s website worked together to confuse the plaintiff regarding her debt balance and right to dispute her debt.