Consumer Sues Genpact Services Over ‘Purposeful’ Collection Letter Omissions

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A New York woman has filed a proposed class action lawsuit against Genpact Services, LLC that claims the debt collector failed to comply with the Fair Debt Collection Practices Act by neglecting to clearly inform consumers of the true amounts of their alleged debts. According to the suit, the defendant sent collection letters that stated: “Your account balance may increase because of interest or other charges, if so provided in your agreement with creditor.” The plaintiff says, however, that the letters failed to mention the interest rate, how much of the balance was interest, when interest would be calculated, or any other details that would allow her to determine the true amount of her balance. The suit argues that these omissions were “purposeful” and that they were made “in order to induce payments from consumers that would not otherwise be made if the consumer knew the true amount due.”