According to court records, on or around July 29, 2006, 1st Credit of America, LLC emailed a collection letter to a New York consumer. The amount demanded included a collection fee of $37.00, which the consumer believed was not authorized by law or the original creditor agreement.
Feeling harassed by 1st Credit of America, LLC, the consumer retained an attorney and sued the agency for allegedly:
Trying to collect an amount not permitted by law or the original creditor agreement
Misrepresenting the character, amount, or legal status of the debt
Using unfair and unconscionable means to collect a debt
The matter was dismissed.