GC Services Hit with FDCPA Lawsuit Over ‘Inaccurate’ Debt Collection Letter

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GC Services Limited Partnership is facing a proposed class action filed by a New York woman who says she received a misleading collection letter from the defendant that violated the Fair Debt Collection Practices Act. The letter allegedly contained the following statement:

“If we settle this debt with you for less than the full outstanding balance, Chase may offer you less favorable terms in the future for some Chase products or services, or may deny your application.”

The case argues that the plaintiff could falsely interpret the letter to mean that paying the full amount of the supposed debt instead of accepting a settlement offer “could enhance her likelihood of receiving future credit products from Chase Bank or improve her overall creditworthiness,” which the complaint claims is inaccurate.