United Collection Bureau Named Once Again in FDCPA Lawsuit

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A proposed class action lawsuit has been filed against United Collection Bureau, Inc. after the debt collector allegedly sent a collection letter that failed to include the disclosures required under the Fair Debt Collection Practices Act and unlawfully threatened to charge illegal fees. According to the complaint, the letter contained a “current account balance,” but neglected to provide information regarding interest or late fees that may or may not be added to the balance. The suit argues that, lacking this information, the unsophisticated consumer would be unable to determine the amount he or she would be required to pay to settle the account.

The complaint continues by claiming that the letter listed a “total amount of non-interest fees accrued since charge-off” as “$0.00.” This statement violates the FDCPA because it implies that the defendant is threatening to charge additional fees it is not legally permitted to charge, according to the lawsuit.