On November 15, 2018, a class action lawsuit was filed against Dynamic Recovery Solutions and Pinnacle Credit Services.
The complaint alleges the companies violated the Fair Debt Collection Practices Act, 15 U.S.C. § 1692, et seq. (“FDCPA”).
The complaint states Pinnacle Credit Services “is engaged in the business of purchasing allegedly defaulted debts originally owed to others and incurred for personal, family or household purposes.”
The lead Plaintiff, in this case, says Pinnacle Credit Services purchased defaulted debt from Verizon Wireless and then instructed Dynamic Recovery Solutions to attempt to collect on it.
The lawsuit states that although the Plaintiff received a letter stating the alleged debt could be validated or disputed, the instructions for doing so were confusing. The complaint says, “Within the said letter, the Defendants provided the Plaintiff with her validation rights, including the right to dispute the debt, in writing and request the validity of the debt. The said letter contained more than one address, each one belonging to Defendant DRS. The consumer was completely left in the dark as to which address to send his or her dispute to.”
The allegation is that “Said language is deceptive as it leads the least sophisticated consumer to be confused as of her rights to dispute the debt with the debt collector.”
It appears the issue is the Plaintiff feels the letter sent to them and other similarly situated consumers is confusing and would prevent the average consumer from being able to clearly understand their rights and the process to dispute or validate the alleged debt.
I’ll check back in on the case in the future and see where it goes.