GC Services Limited Partnership Missed Mark in Collection Notice, Lawsuit Says

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A New York consumer’s proposed class action against GC Services Limited Partnership claims the company failed to clearly and unambiguously convey the amount of debt owed from the perspective of the “least sophisticated consumer.” The complaint argues the amount of debt listed by the defendant does not make it clear that it’s the actual amount of debt due, since GC Services’ request for a “Minimum Payment Due” may lead the plaintiff to believe the balance is not static and may have already been altered. Moreover, the defendant’s “Minimum Payment Due” failed to note whether that amount already included accrued interest and other charges, the lawsuit says.

In sum, the case charges the defendant’s “Minimum Payment Due” could “mislead the least sophisticated consumer into believing that payment of the amount stated will clear his or her account.”