Valentine & Kebartas Failed to Properly Identify Consumer’s Creditor, According to Lawsuit

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Valentine & Kebartas, LLC is the defendant in a proposed class action filed by a Florida consumer who alleges a collection notice she received from the company was not compliant with federal law.

At the center of the case is a collection notice the plaintiff reportedly received in October 2017. The woman claims that while the notice stated her original creditor, it failed to clearly and adequately identify who exactly was the current creditor to whom payment was owed, as required under the Fair Debt Collection Practices Act (FDPCA).

“[The defendant’s] letter merely states, ‘Owner Name: LVNV funding LLC,’” the complaint reads. “Mere allusions to the creditor’s identity are insufficient. The collection letter must specifically and clearly identify the creditor of the consumer debt.”

According to the lawsuit, the plaintiff’s confusion was compounded by the defendant’s notice, considering the woman was sent a letter from Capital One, N.A. less than a month before receiving the October 2017 communication that stated her debt was sold to and now owned by an entirely different entity.