A New York consumer claims in a proposed class action that CMRE Financial Services, Inc. violated the Fair Debt Collection Practices Act (FDCPA) by sending him a letter that deceptively failed to clearly state his amount of debt.
The plaintiff received the letter, which concerned a debt incurred from medical services, in October 2017, the complaint says. The letter supposedly directed the plaintiff to the defendant’s website, which stated, in part:
“Your account balance may be periodically increased due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or as otherwise provided by state law.”
The case alleges that the debt was not, in fact, accruing any interest or fees, making the defendant’s statement on its website deceptive. Further, the suit claims that by vaguely referring to a possible increase in balance, the statement “would likely render the least sophisticated consumer unable to determine the minimum amount owed at the time of the Letter.”