Debt Collection Suit Claims Financial Accounts Services Team Sent Misleading Letter

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Financial Accounts Services Team, Inc. is facing a proposed class action that alleges the debt collector sent a Mississippi woman a collection letter stating she owed two different debt amounts. According to the complaint, the letter listed both an “amount due” of $89.08 and “total account balances” equal to $149.78. The suit argues that upon reading the letter, the plaintiff had no idea whether she owed $89.08 or $149.78 and faced either overpaying or underpaying the true amount.

Further, the case continues, the notice informed the plaintiff that the defendant was “recommending research into [her] current financial situation and assets available.” Upon information and belief, the defendant was not researching the plaintiff’s financial situation over an alleged debt of $89.08 or $149.78, the suit argues.

“Defendant’s violations of the FDCPA thus bore the risk of real harm that the Plaintiff would be far more fearful of a collection letter that threatens to research her financial situation,” the complaint reads, adding that her response would likely be to pay off the alleged debt “without even being certain of the amount owed to the creditor.”