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Steffek v. Client Services, Inc.

United States District Court, E.D. Wisconsin

March 12, 2019

SARAH M. STEFFEK and JILL VANDENWYNGAARD, Plaintiffs,
v.
CLIENT SERVICES, INC., et al., Defendants.

          DECISION AND ORDER

          William C. Griesbach, Chief Judge United States District Court

         Plaintiffs Sarah M. Steffek and Jill Vandenwyngaard filed this class action against Defendant Client Services, Inc. (CSI) and a number of John Does, alleging violations of the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq. Plaintiffs allege that CSI violated § 1692g(a) by failing to disclose the current creditor's name in the required notice of debt it sent to them regarding a Chase Bank USA, N.A. debt. In addition, Plaintiffs claim the notice violated § 1692e because it is false, deceptive, and misleading. Presently before the court are the parties' cross-motions for summary judgment. For the following reasons, Plaintiffs' motion will be denied, CSI's motion will be granted, and the case will be dismissed.

         BACKGROUND

         The following facts are taken from the parties' stipulated proposed findings of fact. ECF Nos. 33-1, 40. On February 22, 2017, CSI mailed a form debt-collection letter to Steffek in an attempt to collect a debt. The top left-hand corner of the letter contained CSI's logo and address. The following information was below CSI's address:

RE: CHASE BANK USA, N.A.
ACCOUNT NUMBER: XXXXXXXXXXXX3802
BALANCE DUE: $8, 936.43
REFERENCE NUMBER: 23073872

         ECF No. 37-2. Similarly, on February 22, 2017, CSI mailed a form debt-collection letter to Vandenwyngaard in an attempt to collect a debt. Again, the top left-hand corner of the letter contained CSI's logo and address, as well as the following information related to Vandenwyngaard's debt:

RE: CHASE BANK USA, N.A.
ACCOUNT NUMBER: XXXXXXXXXXXX8152
BALANCE DUE: $3, 358.53
REFERENCE NUMBER: 23072305

         ECF No. 37-3. The bodies of both letters sent to Plaintiffs ...


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