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Attempting to Collect a Debt Not Owed

Collision Damage to Car

Imagine you rent a car for a day and return it without incident. Three months later, out of the blue, you’re dunned by a debt collector for over $1,300 worth of damage to the car. The complaint for this class action claims that this kind of thing has happened to many people who rented from Hertz Corporation rental companies, where the first they hear of “damage” is a letter from debt collector Viking Billing Service.

Wells Fargo Logo

Does any company in the country have a greater variety of class actions filed against it than Wells Fargo? The complaint for this class action claims that Wells Fargo violated the Fair Debt Collection Practices Act (FDCPA) by collecting or trying to collect residential loans it had previously extinguished and which the borrowers had no legal obligation to pay. 

Person Knocked Down by Letters D-E-B-T

The complaint for this class action claims that the debt collection letter sent by ProCollect, Inc. is confusing and thus violates the Fair Debt Collection Practices Act (FDCPA). If the letter is half as confusing as the complaint discussing it, it must surely violate some standard of clarity. The complaint asserts that the debt balance is quoted as $0.00, the 50% offer is set at $7.50, and that the $7.50 is actually the full amount of the debt. 

Debt Collection Stamp on Papers

The American Medical Collection Agency—aka Retrieval Masters—sent a debt collection letter to plaintiff Sam Junik, dated February 3, 2017, attempting to collect a defaulted consumer debt, but according to the complaint, the letter violated the FDCPA in two ways. First, the letter identifies Quest Diagnostics, Inc. as the “service provider” but does not make clear whether Quest is the original or current creditor. Second, Junik alleges that he does not owe the debt because he authorized no services and did not agree to pay for them.