New York Consumer Claims Vital Recovery Services Misrepresented His Debt

New to ClassAction.org? Read our Newswire Disclaimer

Vital Recovery Services, LLC is the defendant in a lawsuit that accuses the debt collector of misrepresenting a New York consumer’s debt by falsely implying the amount could accrue interest and fees. 

The plaintiff claims to have received a letter from the defendant in August 2017 in which the agency listed a “principal amount due” of $888.84 while stating a zero balance for “interest” and “misc. fee[s].” The case argues that this language implied that the defendant would apply interest and fees if the plaintiff failed to pay the current balance, which, the suit adds, the defendant is not contractually entitled to do. 

“[The defendant’s] communications were designed to cause the debtor to suffer a harmful disadvantage in charting a course of action in response to [Vital’s] collection efforts,” the case argues.