Virginia Consumer Sues Plaza Services Over Allegedly Improper ‘G-Notice’

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A proposed class action lawsuit has been filed against Plaza Services, LLC claiming the company sent a collection letter that failed to adhere to proper “g-notice” guidelines of the Fair Debt Collection Practices Act (FDCPA). According to the complaint, a “g-notice” includes, among other things, a statement regarding the person’s right to dispute and obtain verification of a debt. 

The plaintiff, a Virginia consumer, allegedly received a letter from the defendant in August 2017 regarding a debt owed to First Premier Bank. According to the suit, the letter did not contain a proper “g-notice” under the FDCPA, as it failed to indicate that a debt dispute must be made in writing to obtain verification of the debt. From the complaint:

“Defendant Plaza’s Letter fails specficy [sic] that the consumer’s dispute and validation request must be in writing, causing the letter to be misleading since without the proper instruction the least sophisticated consumer would effectively lose part of his/her right to dispute and request validation of the debt within the 30 day period.”