NY Consumer Alleges Genpact Services Failed to Clearly Convey Debt Amount

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A proposed class action out of New York federal court alleges that Genpact Services sent to a consumer a letter that failed to meaningfully convey the woman’s amount of debt.

According to the suit, the defendant stated the following in an August 2018 collection notice:

“The amount now due on your account is stated above. Your total account balance (and with it, the amount now due) may increase because of interest or other charges.”

By vaguely referring to potential interest or charges, the case argues, the letter failed to clearly state whether the amount listed was the true amount owed.

“It is not enough that the collector provide ‘the amount of the debt’ on the date of the letter,” the complaint reads. “The consumer must be able to know the interest rate and be able to discern the amount of the debt at any given time in the future.”

The suit charges that the defendant violated the Fair Debt Collection Practices Act (FDCPA) by failing to apprise the consumer of all details pertaining to her obligation that would allow her to “make informed decisions about, and participate fully and meaningfully in the debt collection process.”