Mercantile Adjustment Bureau Allegedly Violated FDCPA

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A proposed class action filed in New York claims Mercantile Adjustment Bureau violated federal law by calling consumers and leaving messages in which the company did not identify itself as a debt collector calling about collecting a debt. The terms of the Fair Debt Collection Practices Act (FDCPA) outlaw such behavior on the part of debt collection agencies.

The plaintiff claims the defendant called and left messages that provided only a call back number without saying that the call was from a debt collector specifically reaching out to try to collect a debt. The complaint notes that scores of federal court decisions “uniformly hold that the FDCPA requires debt collectors to provide meaningful identification of itself in messages left for consumers … by accurately stating the name of the debt collection company and stating the nature and/or purpose of the call.”