Lawsuit: Convergent Outsourcing Listed Vague Creditor in Collection Letter

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Convergent Outsourcing, Inc. is on the receiving end of a proposed class action lawsuit that claims it violated the Fair Debt Collection Practices Act (FDCPA). According to the complaint, the plaintiff received a collection letter from Convergent that failed to specify the identity of the creditor. The letter allegedly stated the debt was owed to “WF, Inc - Elmbrook Mem,” a supposed abbreviation that the suit argues the least sophisticated consumer cannot be expected to interpret. The plaintiff’s counsel supposes, from prior experience with the defendant, that the creditor could be Wheaton Franciscan Healthcare but also points out that WF could stand for “Wells Fargo,” which the complaint notes “has been in the news recently for allegedly opening millions of fake accounts in customers’ names.” The suit argues that the letter’s alleged ambiguity around the creditor’s identity can mislead the unsophisticated consumer and therefore violates the FDCPA.