Lawsuit: NRA Group’s Debt Collection Letter Left Wisconsin Woman ‘Confused’

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NRA Group, LLC (which does business as National Recovery Agency) is on the receiving end of a proposed class action lawsuit alleging the defendant sent a Wisconsin consumer a collection letter that violated provisions of the Fair Debt Collection Practices Act (FDCPA). The letter allegedly itemized the plaintiff’s purported debt and included a section marked “COSTS” that was listed as “.00.”

“By including a line item designated ‘COSTS’ which is distinct from the amount owed, [the letter] implies that NRA and/or the creditor may impose additional costs on the consumer,” the complaint reads.

According to the case, the defendant’s letter misled the plaintiff into believing the debt collector was permitted and intended to add extra fees to her debt in the future when this practice was not actually part of NRA’s “regular course of business.” The woman claims she “had no idea what those charges are, potentially could be, or whether they are legitimate” and was confused by the defendant’s letter.