NY Consumer Alleges Alltran Financial Prevented Her from Orally Disputing Debt

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A New York consumer has filed a proposed class action in which she alleges defendant Alltran Financial unlawfully prevented her from orally disputing a debt owed to Touro College.

According to the complaint, Alltran mailed the plaintiff a collection notice in early January 2018. The plaintiff, almost two weeks later, called Alltran to inquire about the debt, a call during which the case says the plaintiff said she disagreed with the $2,100 balance and wanted to dispute the obligation. The defendant allegedly told the plaintiff, in part, “You would actually dispute it [directly] with Touro … it’s not us that the debt is with, it’s Touro College.” The plaintiff then reportedly replied, “You’re the debt collector, I can’t dispute it with the debt collector?” to which Alltran allegedly affirmed.

“[The plaintiff] was misled into believing that there was no way to dispute this debt over the phone with [the defendant],” the lawsuit charges.

The complaint later adds the collection notice Alltran mailed to the plaintiff failed to properly inform the woman of whether the stated debt amount may increase, as well as the nature of any “other charges” and details pertaining to interest.