FDCPA
What are the appropiate times to call a consumer?
8am-9pm CONSUMER time zone
Say the Mini Miranda
This is an attempt to collect a debt and any information obtained will be used for that purpose.
RFD
Reason for Default
What window is CC information?
W360
What is it called when you paraphase what a consumer said showing empathy?
Briding
What is the #1 complaint filed with the FTC?
Repeated Phone Attempts
Who do you give the NLD to?
Mastercard
What window MUST be filled out to get credit for your arrangements?
W7000
If you fill out a fraud or dispute you MUST let the consumer know....
The investigation may take up to 30 days and Capital One may try to contact you with you additional questions.
If a third party ask you what company yo're calling from, what do you say?
Alliance One
Besides the mini-miranda what is the other required disclosure in the open?
CMD
Where do "short notes" go?
Status/Disposition Bar
What window has the Action/Response?
W2
What value statement do we ALWAYS say in the open?
Thank you for being a valued customer of Capital One.
Who is the FDCPA enforced by?
CFPB (Consumer Financial Protection Bureau) & FTC (Federal Trade Comission)
T or F the payment disclosure can be combined if you have a one time payment and a series of payments
True
DMC
Debt Mangement Company
F2
When in doubt, fill it out....
W223/Complaint
If a consumer has an ATTY what are the exceptions to speak with consumer?
- Attorney Grants Permission
- Attorney advises they no longer represnt the consumer
What state(s) do you give A1 phone number?
New York.
W451, WIN10
How do you save account information?
CTRL + S
How do we ask for if a person is the spouse and how do we verify the spouse and consumer?
"What is your relation to..."
Verify spouse F/L
Verify 2 pieces of PII of consumer with spouse