                      United States Court of Appeals
                          FOR THE EIGHTH CIRCUIT
                                   ___________

                                   No. 03-3849
                                   ___________

Elizabeth Strand,                       *
                                        *
            Appellant,                  *
                                        *
      v.                                *
                                        * Appeal from the United States
Diversified Collection Service,         * District Court for the
Inc., a California corporation;         * District of Minnesota.
John Doe, a/k/a Dan Miller,             *
                                        *
            Appellees.                  *
                                        *
                                        *
                                   ___________

                             Submitted: June 16, 2004
                                Filed: August 12, 2004
                                 ___________

Before LOKEN, Chief Judge, JOHN R. GIBSON, and BYE, Circuit Judges.
                              ___________

BYE, Circuit Judge.

     Elizabeth Strand brought an action against Diversified Collection Service, Inc.
(DCS), for alleged violations of the Fair Debt Collections Practices Act (FDCPA), 15
U.S.C. §§ 1692-1692o. The district court1 dismissed Ms. Strand’s suit for failure to
state a claim upon which relief can be granted. We affirm.

                                          I

      Within a twenty-day period in 2003, Ms. Strand received from DCS four letters
(dated May 28, May 30, June 5, and June 17) attempting to collect a debt. Printed on
the envelope of each letter were the terms “D.C.S., Inc.” above the return address,
“PERSONAL AND CONFIDENTIAL” in capital boldface type, and
“IMMEDIATE REPLY REQUESTED” in capital reverse typeface. Each envelope
also displayed a printed corporate logo depicting a grid with an upward-pointing
arrow and the initials “DCS.”

       Following the receipt of the letters, Ms. Strand brought this suit, alleging DCS
violated § 1692f(8) of the FDCPA. Section 1692f(8) prohibits debt collectors from
using “unfair or unconscionable” conduct when attempting to collect a debt through
the use of “any language or symbols, other than the debt collector’s address, on any
envelope when communicating with a consumer by use of mails . . . except that a debt
collector may use his business name if such name does not indicate that he is in the
debt collection business.”

       Pursuant to Federal Rule of Civil Procedure 12(b)(6), DCS brought a motion
to dismiss Ms. Strand’s claim. The district court granted the motion, declining to
adopt a strict reading of § 1692f(8). The court reasoned the letters and symbols on
the envelopes were benign insofar as they did not reveal they pertained to a debt
collection. For the following reasons, we agree and therefore affirm.



      1
      The Honorable Paul A. Magnuson, United States District Judge for the District
of Minnesota.

                                         -2-
                                           II

        We review de novo a district court’s decision to grant a motion to dismiss.
Stone Motor Co. v. Gen. Motors Corp., 293 F.3d 456, 465 (8th Cir. 2002). Under
Rule 12(b)(6), we must accept Ms. Strand’s factual allegations as true and grant every
reasonable inference in her favor. Id. at 464; Fed. R. Civ. P. 12(b)(6). A motion to
dismiss should be granted “as a practical matter . . . only in the unusual case in which
a plaintiff includes allegations that show, on the face of the complaint, that there is
some insuperable bar to relief.” Frey v. Herculaneum, 44 F.3d 667, 671 (8th Cir.
1995) (quoting Bramlet v. Wilson, 495 F.2d 714, 716 (8th Cir. 1974)). At the very
least, however, the complaint must contain facts which state a claim as a matter of law
and must not be conclusory. Id.

       A violation of the FDCPA is reviewed utilizing the unsophisticated-consumer
standard which is “designed to protect consumers of below average sophistication or
intelligence without having the standard tied to ‘the very last rung on the
sophistication ladder.’” Duffy v. Landberg, 215 F.3d 871, 874 (8th Cir. 2000)
(quoting Taylor v. Perrin, Landry, deLaunay & Durand, 103 F.3d 1232, 1236 (5th Cir.
1997)). This standard protects the uninformed or naive consumer, yet also contains
an objective element of reasonableness to protect debt collectors from liability for
peculiar interpretations of collection letters. Peters v. Gen. Serv. Bureau, Inc., 277
F.3d 1051, 1054-1055 (8th Cir. 2002).

       Section 1692f, in pertinent part, states:

      A debt collector may not use unfair or unconscionable means to collect
      or attempt to collect any debt. Without limiting the general application
      of the foregoing, the following conduct is a violation of this section:
      ...
             (8) Using any language or symbol, other than the debt collector’s
             address, on any envelope when communicating with a consumer

                                          -3-
              by use of the mails or by telegram, except that a debt collector
              may use his business name if such name does not indicate that he
              is in the debt collection business.

(emphasis added). Ms. Strand contends the language of § 1692f(8) is unambiguous:
a debt collector violates § 1692f if it sends a debtor a communication with any
language or symbol (other than possibly the collector’s business name) printed on the
face of the envelope containing the communication.

        We first observe Ms. Strand invites us to read § 1692f(8) to create bizarre
results likely beyond the scope of Congress’s intent in enacting the statute. Under her
literal reading of § 1692f(8), a debtor’s address and an envelope’s pre-printed postage
would arguably be prohibited, as would any innocuous mark related to the post, such
as “overnight mail” and “forwarding and address correction requested.” Cf.
Thompson v. Siratt, 95 F.2d 214, 216 (8th Cir. 1938) (suggesting even unambiguous
statutes should not be construed according to their terms if the construction leads to
“absurd or impracticable consequences”).

       With this observation in mind, we start our analysis by considering whether
DCS violated § 1692f(8) by printing its initials on the suspect envelopes. Contrary
to Ms. Strand’s view, it is not plainly clear the statute prohibits the use of such initials
as a corporate name. While the statute forbids use of “any language or symbol,” it
makes an exception for the debt collector’s business name, so long as the name does
not reveal the collector’s business. At issue then is whether the word “name,” as used
in the statute, encompasses references to a corporation by its initials.

        We believe the word, as used modernly in commerce, can mean not only an
appellation in the traditional sense of the word but also a more-abstract signifier, such
as initials. In today's culture, when memorable brevity is paramount and words and
statements are so commonly reduced to letters and numerals (e.g., Y2K), initials often
have a wider currency than the names they represent. Take, for instance, the

                                            -4-
corporate entities widely known as IBM, AOL, ESPN, and AT&T rather than by their
spelled-out names. We conclude there is sufficient doubt about the scope of the word
“name” in § 1692f(8) to permit us to examine the Congressional purpose underlying
the FDCPA. See Dowd v. United Steelworkers of Am., Local No. 286, 253 F.3d
1093, 1099 (8th Cir. 2001) (stating “when the meaning of a statute is questionable,
the statute should be given a sensible construction and construed to effectuate the
underlying purposes of the law”).

       The purpose of the FDCPA is “to eliminate abusive debt collection practices
by debt collectors, [and] to insure that those debt collectors who refrain from using
abusive debt collection practices are not competitively disadvantaged.” 15 U.S.C. §
1692(e). In Masuda v. Thomas Richards & Co., the plaintiff brought a claim similar
to Ms. Strand’s, alleging the defendant violated § 1692f(8) by using the phrases
“Personal & Confidential” and “Forwarding and Address Correction Requested.” 759
F. Supp. 1456, 1466 (C.D. Cal. 1991). The court observed “Congress’s intent in
protecting consumers . . . would not be promoted by proscribing benign language”
because Congress enacted §1692f(8) simply to prevent debt collectors from “using
symbols on envelopes indicating that the contents pertain to debt collection.” Id.
(citing S. Rep. No. 95-382 at 8 (1977), reprinted in 1977 U.S.C.C.A.N. at 1702)
(emphasis in the original).2

      In light of such clear and universal pronouncements on the purpose of the
FDCPA, we believe a reading of the word “name” encompassing initials and logos
does not thwart Congressional purpose in any way. On the contrary, such abstracted
business names reveal less about the nature of a business, and thus there is a

      2
       Other district courts have adopted similar views. See Lindbergh v. Transworld
Sys., Inc., 846 F. Supp. 175, 180 (D. Conn. 1994) (holding the use of the word
“Transmittal” and a symbol consisting of a blue stripe did not violate § 1692f(8));
Johnson v. NCB Collection Servs., 799 F. Supp. 1298, 1304-1305 (D. Conn. 1992)
(holding the use of phrase “Revenue Department” did not violate § 1692f(8)).

                                        -5-
decreased risk they will invade the debtor’s privacy and peace of mind by disclosing
the debtor is the subject of a collection. In this case too, therefore, the strict
adherence to the literal word less advances the purposes of the statute than a liberal
reading consistent with modern custom and usage. To summarize, we believe the
statute is subject to more than one reading, and we conclude the broader reading
effectuates the underlying purposes of the statute and therefore represents a more
sensible construction. By a natural extension, this construction also renders benign
the neutral logo and innocuous phrases printed on the DCS envelopes.3

       Ms. Strand contends that, even if benign words and symbols do not violate the
FDCPA, there is a triable issue as to whether the letters and symbols in this case were
benign. As a matter of law, however, we conclude the language and symbols were
benign because they did not, individually or collectively, reveal the source or purpose
of the enclosed letters. Even from the perspective of an unsophisticated consumer,
the envelopes must have appeared indistinguishable from the countless items of so-
called junk mail found daily in mailboxes across the land.




      3
      The Federal Trade Commission, the administrative agency charged by
Congress to interpret and enforce the statute, has adopted a similar view. As the
agency has explained:

      A debt collector does not violate this section by using an envelope
      printed with words or notations that do not suggest the purpose of the
      communication. For example, a collector may communicate via . . . a
      letter with the word “Personal” or “Confidential” on the envelope.

FTC, Statement of General Policy or Staff Commentary on the Fair Debt Collections
Practices Act, 53 Fed. Reg. 50,097, 50108 (Dec. 13, 1988).

                                         -6-
                                        III

       Because an interpretation of § 1692f(8) exempting benign words and symbols
better effectuates Congressional purpose, and because a strict reading would lead to
bizarre and impracticable consequences, we conclude the statute does not proscribe
benign language and symbols such as those printed on the envelopes Ms. Strand
received from DCS. Accordingly, we affirm the district court’s decision to dismiss
her claim.
                       ______________________________




                                        -7-
