Account Control Technology Accused of FDCPA Violations

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Account Control Technology, Inc. is facing a proposed class action lawsuit that claims it violated the Fair Debt Collection Practices Act (FDCPA) by failing to clearly identify a consumer’s creditor. The debt collector allegedly sent the plaintiff a letter that named “CUNY – COLLEGE OF STATEN ISLAND W/CC” but neglected to indicate whether the school was the plaintiff’s “original creditor,” “current creditor,” or “creditor to whom the debt is owed.”

“Merely naming the creditor without specifically identifying the entity as the current creditor to whom the debt is owed is not sufficient to comply with [the FDCPA],” the lawsuit reads.

The complaint then takes issue with Account Control Technology's alleged attempt to impose a collection fee of $343.86, which the case says is the defendant’s “anticipated compensation” and, therefore, cannot legally be collected until after the debt collector has received payment from the plaintiff.