Consumer Claims Mercantile Adjustment Bureau Violated FDCPA

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Two New York consumers allege in a proposed class action that Mercantile Adjustment Bureau, LLC sent collection notices in which it failed to clearly convey the amounts of debt owed because it did not disclose whether their respective balances are subject to accruing interest or fees. Under the Fair Debt Collection Practices Act (FDCPA), a debt collector must convey the amount of debt owed “without ambiguity from the perspective of the least sophisticated consumer,” the lawsuit says.

The case seeks to cover anyone in New York from whom Mercantile Adjustment Bureau attempted to collect a debt owed to Kohl’s Department Stores underwritten by Capital One, N.A. within the last year.