Lawsuit Claims MRS BPO, Client Services Sent Conflicting Debt Collection Letters

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MRS BPO LLC and Client Services Inc. (CSI) are defendants in a proposed class action lawsuit in which a Wisconsin consumer claims the debt collectors violated several provisions of the Fair Debt Collection Practices Act (FDCPA). At issue in the case are two collection letters the defendants respectively sent about a week apart that allegedly contained conflicting information concerning the plaintiff’s purported debt.

The first letter (Exhibit A), according to the complaint, was sent by MRS on August 11, 2017, and offered the plaintiff three options to resolve the debt by an August 24, 2017, deadline. The notice also instructed the man to make payments by either calling MRS, sending payments to the debt collector’s provided address, or using its online payment portal, the case says.

About a week later, on August 18, 2017, CSI supposedly mailed the plaintiff a collection letter (Exhibit B) regarding the same debt and ordered the plaintiff to make checks payable to Client Services, Inc. The lawsuit argues that the two letters would leave the unsophisticated consumer unsure as to whom the alleged debt was owed.

“The consumer would undoubtedly be left scratching her [sic] head and wondering whether Exhibit A and/or Exhibit B was a scam, and whether MRS, CSI, or someone else was legally authorized to collect payment,” the complaint reads. 

Moreover, the second letter makes no mention of any settlement options, the case continues, leaving the plaintiff to wonder whether the offers in the first letter were still available, as the deadline was still a week away at the time he received the second letter.

The lawsuit takes further issue with CSI’s alleged failure to clearly state the name of the creditor and claims MRS was unclear as to how the plaintiff should dispute his purported obligation