Firstsource Advantage, LLC is on the receiving end of a proposed class action filed out of New York that claims the debt collector unlawfully refused to accept a consumer’s debt dispute.
The plaintiff alleges he called the defendant on May 21, 2018 intending to dispute a purported debt for which he received a collection letter in March 2018. The defendant’s representative, instead of accepting the dispute, asked the plaintiff if he was aware that the obligation was subject to late fees, the suit says, to which he responded that he could not remember.
Next, the plaintiff was transferred to a supervisor, according to the complaint, who told him he must have “a valid reason” to dispute the debt and refused to accept his disagreement with the balance as “a valid dispute.” The case argues that under federal law, the plaintiff was not required to supply a reason for his dispute. Therefore, the suit attests, Firstsource’s refusal to investigate the plaintiff’s complaint constituted a violation of the Fair Debt Collection Practices Act.