An unsophisticated party states a claim under the Act by alleging that a letter sent to collect a debt, on its face, includes amounts that are not authorized by state law.
http://media.ca8.uscourts.gov/opndir/18/07/172826P.pdf
Since 2011. An occasional commonplacing of the U.S. Circuit Courts of Appeal.
Neither an authoritative statement of the law nor legal advice. Quick work.