Consumer Alleges Two Defendants Broke Federal Debt Collection Laws

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In a proposed class action lawsuit filed on March 17, a Wisconsin woman claims defendants Central Credit Services, LLC and Synchrony Bank violated both the Fair Debt Collection Practices Act (FDCPA) and Wisconsin Consumer Act. The case claims the defendants, attempting to collect on a defaulted Walmart credit card debt, sent the plaintiff a collection notice that offered to “continue with the contract as though you were not late” even though the companies had, in previous notices that accelerated the woman’s debt, demanded a minimum payment.

According to the lawsuit, the defendants’ representations may cause the unsophisticated consumer, i.e. the plaintiff, to be confused as to whether her debt had actually been accelerated and required full, immediate payment, as well as how much she actually owed.