A proposed class action alleging Fair Debt Collection Practices Act (FDCPA) violations has been filed against GC Services Limited Partnership by a Wisconsin consumer. The plaintiff alleges that he received three collection letters from the defendant containing unclear information regarding his debt balance.
The plaintiff claims he received an initial collection letter in December 2017 from the defendant in reference to a debt owed to Citibank that listed an “account balance” of $11,799.64 and a “minimum payment due” of $1114. The following month, the plaintiff allegedly received another letter from the defendant attempting to collect a single settlement payment of $8849.73. The lawsuit then claims that in February 2018 the plaintiff received a third letter listing a new “account balance” and “minimum payment due.” The lawsuit argues that the three letters confused and mislead the plaintiff regarding what amount the defendant was attempting to collect, as well as the man's right to dispute the debt.
In sum, the lawsuit accuses the defendant of violating the FDCPA by issuing collection letters to the plaintiff that were not clear enough for the “unsophisticated consumer” to understand.