Advanced Call Center Technologies LLC is on the receiving end of a lawsuit that alleges the collection agency issued misleading collection letters that demanded a greater amount of money than the agency was legally allowed to collect.
The plaintiff, a Wisconsin consumer, claims she received a letter from the defendant in November 2017 regarding a debt allegedly owed to Synchrony Bank for charges made on her Citgo-branded credit card. The suit alleges that in prior communications from the bank, the “amount past due” listed in bank statements corresponded with the “amount now due” sought in collection letters. The defendant’s November 2017 letter, however, sought an “amount now due” of $234.00, which corresponded with her October bank statement’s “total minimum payment due,” according to the lawsuit. The case argues that the defendant was demanding more than was actually due at the time by seeking the total minimum payment—which the suit notes includes both the “amount past due” of $160.00 and a minimum payment that wasn’t due until a future “Payment Due Date.”
“…Advanced Call cannot attempt to collect portions of the balance that are ‘owed’ to Synchrony but are not yet ‘due,’” the lawsuit charges.
According to the case, the defendant attempted to collect the “total minimum payment due” rather than the actual “amount past due” to “increase its profits under false pretenses,” as a portion of any debt payments collected is supposedly retained by the collection agency.
As such, the suit accuses the defendant of violating the Fair Debt Collection Practices Act and Wisconsin Consumer Act by misleading the “unsophisticated consumer” and engaging in abusive debt collection practices.