A New York resident has, in four separate lawsuits, accused Estate Information Services, LLC (EIS Collections) and Navient Solutions, LLC of shady debt collection practices.
The cases concern supposedly unlawful collection letters the defendants sent to the plaintiff regarding four separate student loan accounts. According to the complaints, the notices contain itemized lists detailing the plaintiff’s “total due as of charge-off,” “total interest accrued since charge-off,” “total non-interest charges or fees accrued since charge-off,” and “total payments made since charge-off.” However, these numbers, when added up, differ from the “total balance” listed in each letter, the suits allege. The lawsuits argue that the plaintiff, upon reading the letters, would be unsure as to how much he truly owed.
The suits take further issue with the supposed discrepancy between the amounts listed in each notice as “total interest accrued since charge-off” and “interest,” noting that the different amounts were confusing to the plaintiff. On top of that, the cases claim the notices failed to clearly specify that interest was accruing on each of the man’s accounts, further adding to his confusion. One of the suits then claims the defendants mailed the plaintiff an “interest rate reduction offer letter” that stated his “current interest rate” but failed to indicate “how often interest is assessed to the account.”
Further still, two of the lawsuits assert the defendants sent the plaintiff additional settlement offers that provided different numbers for each account’s “total balance” and “amount due,” with the values thousands of dollars apart.
The cases insist that the defendants’ alleged infractions caused the plaintiff to suffer damages that include “shock, embarrassment, fear, worry, confusion, intimidation, nervousness, loss of privacy, loss of tranquility, and indignation.”
Originally filed in state court within a two-day period at the end of March, the lawsuits have recently been removed to federal court in New York.