Consumer Sues Chase Receivables Over 'Unauthorized' Fee

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A proposed class action lawsuit has been filed against Credit Bureau of Napa County by a New York woman who claims the defendant charged her an “unauthorized collection fee.” The debt collector, which does business as Chase Receivables, supposedly sent the plaintiff a collection letter on Verizon’s behalf that stated the principal amount of her alleged debt along with a “Verizon Collection Fee” of $103.09. The suit claims Chase Receivables had not charged Verizon a collection fee at the time the letter was sent and was not permitted to charge a fee until it had collected a portion of the alleged debt. Therefore, the “collection fee” in the letter was demanded illegally, as the plaintiff did not yet owe any extra fees, the complaint argues. The plaintiff says she suffered “confusion, surprise, fright and annoyance” upon receiving the defendant’s letter.

The suit seeks injunctive relief from the defendant’s “deceptive and misleading acts and practices,” and monetary relief for proposed class members.