CBE Group Debt Collection Letter Balance Amount FDCPA Class Action

One of the most important things for debtors to know is the amount they owe. According to the complaint for this class action, the debt collection letter sent by the CBE Group, Inc. was unclear about whether the amount shown was the final amount or still subject to change, in violation of the Fair Debt Collection Practices Act (FDCPA).

The class for this action is all natural persons who received a letter from CBE, dated between June 11, 2017 and the present, attempting to collect a past due consumer debt and written in a form materially identical or substantially similar to Exhibit A.

Congress passed the FDCPA to stop abusive behavior in attempts to collect consumer debts, believing that abuse was not necessary to carry out effective debt collection. It had an additional purpose as well: It did not want companies who did not use abusive practices to be disadvantaged by those who did.

Among other things, the FDCPA regulates the content of debt collection letters and the information that must be supplied to the debtor, such as the amount of the debt.

Plaintiff Kaitlin Dwyer incurred a debt through her credit card account with Credit First, NA. This was a consumer debt, incurred to pay for transactions for personal, family, or household purposes. At some point, the debt was turned over to CBE for collection.

On or about June 11, 2017, CBE sent Dwyer a debt collection letter, which is attached to the complaint as Exhibit A. The letter said that the current debt balance was $1,089.12.

The complaint questions this figure. First, it says that if Credit First had stopped accruing interest, late charges, and/or other charges on the debt, the figure was incorrect. Second, if Credit First was continuing to accrue interest, later charges, and/or other charges, as it appears, then CBE was required to have warned Dwyer that the current balance might increase due to these charges. The complaint therefore says that the letter was false or deceptive under the FDCPA.

The complaint asks for statutory damages, attorneys’ fees and costs, any other relief the court     

Article Type: Lawsuit
Topic: Consumer

Most Recent Case Event

CBE Group Debt Collection Letter Balance Amount FDCPA Complaint

June 12, 2018

One of the most important things for debtors to know is the amount they owe. According to the complaint for this class action, the debt collection letter sent by the CBE Group, Inc. was unclear about whether the amount shown was the final amount or still subject to change, in violation of the Fair Debt Collection Practices Act (FDCPA). 

cbe_group_fdcpa_complaint.pdf

Case Event History

CBE Group Debt Collection Letter Balance Amount FDCPA Complaint

June 12, 2018

One of the most important things for debtors to know is the amount they owe. According to the complaint for this class action, the debt collection letter sent by the CBE Group, Inc. was unclear about whether the amount shown was the final amount or still subject to change, in violation of the Fair Debt Collection Practices Act (FDCPA). 

cbe_group_fdcpa_complaint.pdf
Tags: FDCPA, False Representation of Debt Amount, Misleading or Confusing Debt Collection Letter