Logistical Restrictions
CreditCorp is collecting debts for Adventure Bay Bank. In an attempt to get Mayor Goodway to pay her credit card that is past due, they call her at 6am every morning so that they can catch her before she leaves for work.
Timing
Under the name of Debts-R-Us, a representative of Logic Bank tells a consumer that he should watch his back if he does not get current on his credit card.
The FTC filed a complaint against RCG Advances, LLC—formerly known as Richmond Capital Group, LLC, and also doing business as Viceroy Capital Funding and Ram Capital Funding—and a related entity and individuals. The complaint alleges that, since at least 2015, the defendants have misrepresented the terms of merchant cash advances they provided to small businesses and other organizations, and threatened physical violence to compel them to pay. The FTC also alleges that defendants have made unauthorized withdrawals from their accounts.
RCG Advances, LLC and Robert Giardina are permanently banned from the merchant cash advance industry. In addition, the court ordered RCG Advances and Giardina to make an upfront payment of $1.5 million and subsequent payment of more than $1.2 million to refund consumers.
N/A
On numerous occasions, in connection with the collection of debts for another, North American Capital Corporation communicated with parents, children, co-workers, and employers of the consumer.
Third Party
On numerous occasions, E-Z Solutions, LLC used obscene or profane language towards Farmer Grey regarding his missed payments on his combine harvester.
Not applicable under FDCPA
Kittydale Collections knows that Bitzy visits her elderly aunt at her assisted living complex every Sunday around 6pm. Bitzy has not responded to their emails or voicemails, so an agent arrives at the complex at 5:30 to catch her in-person.
Place
DC Credit Services (a debt collector) threatened to communicate to consumer reporting agencies adverse credit information regarding consumers that should have been known by them to be false.
Deceptive
A debt collector attempts to call Mike Lowry (who they know owns a bakery and works early mornings) at 8pm as his bakery equipment loan is past due. Since this falls within the FDCPA general guidelines of before 9pm, they do not consider the time further.
Not applicable to FDCPA
Rawlins & Rivera, Inc (a debt collector) in some cases demanded far more than the amount of a consumer’s debt unless the consumer paid immediately.
Unfair
In numerous instances, Expert Global Solutions, Inc left messages on the voicemail of persons in which they divulge that 1. They are a debt collector or that the consumer owes a debt; and 2. The name of the consumer. In numerous instances, these messages were left even though the voicemail greeting did not give the name of any person.
Third Party
XYZ Collections, Inc, in an attempt to collect on an unpaid mortgage, threatens to deposit a postdated check from a customer of ABC Bank prior to the date on the check.
Unfair