International Computer Systems, Inc. – which does business as First Collection Services – is facing a proposed class action accusing the company of Fair Debt Collection Practices Act (FDCPA) violations.
The plaintiff, a consumer from Miami-Dade County, Florida, claims to have received a collection letter from the defendant in August 2017. According to the lawsuit, the letter unlawfully failed to disclose that the debt balance may increase due to fees. Moreover, the letter allegedly failed to state the amount of fees that could be charged or when such fees might be added. The suit argues that, as a result, the “least sophisticated consumer” would be unable to determine the minimum amount owed at time of the letter, as well as what she would need to pay to resolve the debt at any time in the future. Lastly, the lawsuit claims that the letter violates the FDCPA because it can reasonably be read to have two or more meanings.