Chase Receivables Accused of Attempting to Trick Consumers Out of Debt Dispute Protections

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A Wisconsin woman has filed suit against Credit Bureau of Napa County, Inc. (which does business as Chase Receivables) over claims that the debt collector misled her concerning her right to dispute her alleged debt. According to the complaint, the plaintiff received a collection letter from the defendant containing the following statement:

“If you would like to submit a dispute you can call us at 877-256-2510 or send it by mail…”

The suit argues that under the Fair Debt Collection Practices Act, a consumer must provide written notification of a dispute to “trigger” the law’s protections.

“Upon receiving a written dispute from the consumer within the 30-day debt validation period, the FDCPA requires the debt collector to contact the creditor and obtain verification of the debt before conducting any further collection efforts,” the complaint reads.

The case claims the defendant’s letter could trick the plaintiff out of her rightful dispute protections by misleading her into believing she could call the provided telephone number to dispute the debt instead of submitting written notification.