A collection agency must disclose the owner of a retail credit card debt it is trying to collect to the debtor, not just the retailer that services the debtor’s account, a federal appeals court has ruled.
The 2nd U.S. Circuit Court of Appeals on Friday revived a class action filed by the holder of a Kohl’s department store credit card who claimed that a collector, Credit Control LLC, violated the federal Fair Debt Collection Practices Act when it named Kohl’s as the creditor in a collection letter, and did not name Capital One, the owner of the debt.
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