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I would like to see a rule prohibiting debt collectors, debt owners/debt buyers, and other related affiliates from being able to pull a debtor " s credit report once the debt is officially time-barred and out of SOL. I would also like there to be a rule that specifically distinguishes between a " hard pull " and a " so... | {
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{
"text": "I would like to see a rule prohibiting debt collectors, debt owners/debt buyers, and other related affiliates from being able to pull a debtor \" s credit report once the debt is officially time-barred and out of SOL.",
"start": 0,
"end": 216
... | [] |
Filing suit in the state that the consumer lives in is the most practical. If a state has a large district there is nothing that can be done unless judges want to allow tele-conferencing,, or phone conferencing. However, if that is allowed it should be allowed for both sides provided the evidence of the debt is supplie... | {
"entities": {
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"text": "Filing suit in the state that the consumer lives in is the most practical.",
"start": 0,
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},
{
"text": "If a state has a large district there is nothing that can be done unless judges want to allow tele-conferencing,,... | [] |
Let' s remember that most debtors have had the original creditor from 2 to 4 collection agencies and the creditors attorneys office before a suit is ever filed. That process usually takes as much a 2 years or more. So it is difficult to think that the courts should make special accommodations for these individuals. Eve... | {
"entities": {
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"text": "Let' s remember that most debtors have had the original creditor from 2 to 4 collection agencies and the creditors attorneys office before a suit is ever filed.",
"start": 0,
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},
{
"text": "That process usually takes ... | [] |
It is my companies practice to send a validation of debt notice to nearly all accounts placed. This is not required but a best practice. I also believe in most cases the original creditor provides notices to the consumer on their bill if they are going to be referred to collections. Also it is time to be realistic. Is ... | {
"entities": {
"testimony": [
{
"text": "It is my companies practice to send a validation of debt notice to nearly all accounts placed.",
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],
"value": [
{
"text": "This is not required but a best practice.",
"start": 95,
... | [] |
A simple solution to all of the hype about calling cells which is by far the most common means of contacting a consumer these days. Direct that all telecommunication companies offer a site that allows the agencies to register their phone numbers. If a call is placed to a consumer that does not have unlimited calling or... | {
"entities": {
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"text": "A simple solution to all of the hype about calling cells which is by far the most common means of contacting a consumer these days.",
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],
"policy": [
{
"text": "Direct that all telecommunication... | [] |
I think the current limits are fine. The MA rules are too restrictive and frankly could be a disservice to the consumer who wants to try to resolve the debt. I do not believe in robo calling but do believe that preview dialing on an automated dialer system should not be prohibited as the agent still has to review the i... | {
"entities": {
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"text": "I think the current limits are fine.",
"start": 0,
"end": 36
},
{
"text": "The MA rules are too restrictive and frankly could be a disservice to the consumer who wants to try to resolve the debt.",
"start": 37,
... | [] |
Someone keeps calling for a person named Sean, who does not live here and I don' t know anyone by that name. I tell them they have the wrong number, but they continue to call. They sometimes leave canned messages on my answering machine. I realize some debtors pretend not to be at the number being called, but these col... | {
"entities": {
"testimony": [
{
"text": "Someone keeps calling for a person named Sean, who does not live here and I don' t know anyone by that name.",
"start": 0,
"end": 108
},
{
"text": "I tell them they have the wrong number, but they continue to call.",
... | [] |
Collectors are not calling me repeatedly because they don' t believe me. They are calling me repeatedly because there are so many people with the same last name as me and one of my initials. It is just as annoying to get frequent calls about different individuals as it is to get frequent calls about the same individual... | {
"entities": {
"fact": [
{
"text": "Collectors are not calling me repeatedly",
"start": 0,
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}
],
"value": [
{
"text": "because they don' t believe me.",
"start": 41,
"end": 72
},
{
"text": "It is just as annoyi... | [] |
I live in Georgia which seems to have laws that are very biased toward the debt owner. An example is the statutes of limitations for Mortgage debt. For instance, if the 1st lienholder forecloses, and you have a 2nd mortgage also, the 2nd remains in effect The OCGA states that the statute of limitations for any " debt i... | {
"entities": {
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"text": "I live in Georgia which seems to have laws that are very biased toward the debt owner.",
"start": 0,
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},
{
"text": "An example is the statutes of limitations for Mortgage debt.",
"start": 87,
"end": 14... | [] |
State regulations should preempt them from collecting exorbitant returns on such minimal investment (usury!!!). Other items to consider pertaining to this issue are: The bad debt buyer does not disclose what he/she purchased the bad debt for. This should be disclosed and transparent as they have the original debt infor... | {
"entities": {
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"text": "State regulations should preempt them from collecting exorbitant returns on such minimal investment (usury!!!).",
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},
{
"text": "This should be disclosed and transparent",
"start": 243,
"... | [] |
I would like to see the CFPB address the issue of their " phishing " expeditions, i. e., trolling the phone listings and calling anyone with a similar name. I was listed by my initials, but with a common last name, I was getting daily calls from debt collectors until I switched my listing to a nickname. There are many ... | {
"entities": {
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"text": "I would like to see the CFPB address the issue of their \" phishing \" expeditions, i. e., trolling the phone listings and calling anyone with a similar name.",
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"end": 156
},
{
"text": "I would also like to see th... | [] |
I do think a " free to end user " would work and I don' t see any problems with using such a practice or service. It creates some fairness for the collection companies and will not charge the cell owner if they do not have unlimited calling. | {
"entities": {
"value": [
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"text": "I do think a \" free to end user \" would work",
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},
{
"text": "and I don' t see any problems with using such a practice or service.",
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"end": 113
},
{
"text... | [] |
Just to make my comment clear: I implied that the Free-to-end-user alternatives (if allowed to be used) need to be regulated so that they are not selling phone numbers and compromising the privacy of the consumers. My comment made it appear as though I think that the free texting apps (which allow people to text for fr... | {
"entities": {
"value": [
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"text": "Just to make my comment clear: I implied that the Free-to-end-user alternatives (if allowed to be used) need to be regulated",
"start": 0,
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},
{
"text": "so that they are not selling phone numbers and compromising th... | [] |
The Michigan program for handling NSF checks is outlined in Michigan statute (MCL 600. 2952). The statute provides the exact language to be used in the demand notice to the debtor but does not include the FDCPA Miranda language-which we add to the notice. We also send a copy of the dishonored check with the notice. The... | {
"entities": {
"fact": [
{
"text": "The Michigan program for handling NSF checks is outlined in Michigan statute (MCL 600. 2952).",
"start": 0,
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},
{
"text": "The statute provides the exact language to be used in the demand notice to the debtor but does ... | [] |
The current validation notice is already too long--bordering on " boilerplate ". To add more language to this would confuse or intimidate the least sophisticated debtor and/or lead them to immediately ask that the creditor cease communication. The problem with that strategy is that it forces the creditor to file suit, ... | {
"entities": {
"value": [
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"text": "The current validation notice is already too long--bordering on \" boilerplate \".",
"start": 0,
"end": 80
},
{
"text": "To add more language to this would confuse or intimidate the least sophisticated debtor and/or lead them ... | [] |
As for medical collections, I very, very rarely see a legitimate dispute. Most often people are just trying to get the item removed from their credit or scare the collector with threats of FDCPA action. Many of the disputes we receive are copied directly from the internet and contain all kinds of demands for proof that... | {
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"testimony": [
{
"text": "As for medical collections, I very, very rarely see a legitimate dispute.",
"start": 0,
"end": 73
},
{
"text": "Most often people are just trying to get the item removed from their credit or scare the collector with threat... | [] |
We instruct our collectors to treat EVERY dispute the same--whether received in writing or over the phone and without regard to when it was received. Therefore, I agree that debtors should provide the information referenced in FCRA. The problem with FCRA disputes is the E-Oscar system that only affords the collector a ... | {
"entities": {
"testimony": [
{
"text": "We instruct our collectors to treat EVERY dispute the same--whether received in writing or over the phone and without regard to when it was received.",
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"end": 149
}
],
"policy": [
{
"text": "Therefore, ... | [] |
Any FTC rule regarding verification should absolutely include an exception for frivolous and irrelevant disputes because there are way too many websites out there providing sample dispute letters and the advice to keep using them that the process is abused by enough debtors that we now have a standard letter to address... | {
"entities": {
"policy": [
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"text": "Any FTC rule regarding verification should absolutely include an exception for frivolous and irrelevant disputes",
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],
"value": [
{
"text": "because there are way too many websites out there pr... | [] |
If our client (s) can' t provide any verification of the debt, we close the account and send the debtor a letter that we are doing so. Note: this has only happened once or twice in 20 years. an unresolved dispute account should NOT be sold. If so, seller should be liable. | {
"entities": {
"testimony": [
{
"text": "If our client (s) can' t provide any verification of the debt, we close the account and send the debtor a letter that we are doing so.",
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},
{
"text": "Note: this has only happened once or twice in 20... | [] |
The problem is not with a form letter of dispute. The problem is that these websites and unreasonable letters lead unsophisticated debtors to believe that a creditor has to provide extraordinary proof that simply is not required.' stopwithspoofedcallerID' (if that IS your real name) is correct that no legitimate disput... | {
"entities": {
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"text": "The problem is not with a form letter of dispute.",
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"text": "The problem is that these websites and unreasonable letters lead unsophisticated debtors to believe that a creditor has to provide extraor... | [] |
I think the " unless " part of the rule about contacting a person more than once should be scrapped. They should not be allowed to contact anyone (other than the debtor him/herself) more than once. If the person (usually the innocent family member) they contact to try to locate the debtor is willing to give out contact... | {
"entities": {
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"text": "I think the \" unless \" part of the rule about contacting a person more than once should be scrapped.",
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{
"text": "They should not be allowed to contact anyone (other than the debtor him/herself) mo... | [] |
I' m not sure a registration system for debt collectors really addresses the issue. I' m not exactly sure how the registration system would operate. In MA, consumers can check online to see whether a debt collector is licensed to practice in the state, many just don' t know about the website or on a more basic level do... | {
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"text": "I' m not sure a registration system for debt collectors really addresses the issue.",
"start": 0,
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},
{
"text": "I' m not exactly sure how the registration system would operate.",
"start": 84,
"end": 1... | [] |
There are still too often abuses by debt collectors in regard to time-barred debts. Zombie debt collectors who use partial payments, acknowledgement of the debt in writing, or other tactics are effectively hard-wiring around the laws having to do with the statute of limitations. I have witnessed situations where consum... | {
"entities": {
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"text": "There are still too often abuses by debt collectors in regard to time-barred debts.",
"start": 0,
"end": 83
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{
"text": "Zombie debt collectors who use partial payments, acknowledgement of the debt in writing, or other tactic... | [] |
Given the highly coercive consequences of having negative information reported to or by CRAs on consumer credit reports, I think it is reasonable that a debt not be deemed " verified " or " substantiated " unless and until there' s a final non-appealable order, but only in circumstances where the consumer has timely di... | {
"entities": {
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"text": "Given the highly coercive consequences of having negative information reported to or by CRAs on consumer credit reports, I think it is reasonable that a debt not be deemed \" verified \" or \" substantiated \" unless and until there' s a final non-appealable or... | [] |
Once the consumer is located then nearbys, neighbors, relatives, prior used phone numbers may be abused by collectors to harass and embarrass consumers, or even to compel a relative or other third party to pay the debt. Violations of the FDCPA should be treated as serious breaches of law. | {
"entities": {
"value": [
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"text": "Once the consumer is located then nearbys, neighbors, relatives, prior used phone numbers may be abused by collectors to harass and embarrass consumers, or even to compel a relative or other third party to pay the debt.",
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... | [] |
Minors are not normally eligible to enter contracts or take on the obligation of credit arrangements, so this would seem necessarily rare. Regardless, every effort should be made and maintained to protect consumers from mistaken disclosure of personal business. | {
"entities": {
"fact": [
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"text": "Minors are not normally eligible to enter contracts or take on the obligation of credit arrangements,",
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],
"value": [
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"text": "so this would seem necessarily rare.",
"start": 102,
... | [] |
I would like to see strict regulation of the so-called " skip-trace " vendors. These are the companies that debt collectors and others hire to provide them with contact information. From my own personal experience (common last name, many debt collectors after me), I can say that I believe that I' m at the mercy of thes... | {
"entities": {
"value": [
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"text": "I would like to see strict regulation of the so-called \" skip-trace \" vendors.",
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},
{
"text": "These are the companies that debt collectors and others hire to provide them with contact information.",
... | [] |
Unless and until debt collection practices have greater transparency for consumers there will be abuses and misunderstandings regarding legal liability. It' s too much a pat answer to say consumers should seek legal advice. Collectors should be required to say with a certain level of supported certainty whether the deb... | {
"entities": {
"value": [
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"text": "Unless and until debt collection practices have greater transparency for consumers there will be abuses and misunderstandings regarding legal liability.",
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"end": 152
},
{
"text": "It' s too much a pat answer to say... | [] |
In the case of medical debt, the statement should inform the consumer of the date and location of the service provided, including the name of the doctor who was in charge of the case (rather than a consultant or firm that never contacted the consumer) or the commonly used name of the location (such as a hospital or cli... | {
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"text": "In the case of medical debt, the statement should inform the consumer of the date and location of the service provided, including the name of the doctor who was in charge of the case (rather than a consultant or firm that never contacted the consumer) or the co... | [] |
Information about the source of the debt (such as the date of the service) can be provided without infringing on the patient' s privacy. No one should be asked to pay a debt without first being told why they owe the money. This is esp. true of medical debts, which are notoriously complex and apparently redundant, with ... | {
"entities": {
"value": [
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"text": "Information about the source of the debt (such as the date of the service) can be provided without infringing on the patient' s privacy.",
"start": 0,
"end": 136
},
{
"text": "This is esp. true of medical debts,",
"sta... | [] |
If this is an area that the CFPB is interested in regulating, I believe it will be necessary to initiate cooperative actions with local State judiciaries. Because the CFPB is a federal agency, it doesn' t have authority to tell State governments (including the judicial branch) how to operate or how to interpret its own... | {
"entities": {
"value": [
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"text": "If this is an area that the CFPB is interested in regulating, I believe it will be necessary to initiate cooperative actions with local State judiciaries.",
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},
{
"text": "Since some states are already ta... | [] |
I have never applied for credit in any way other by paper application, and everyone I have ever owed money to has tons of paperwork. I don' t know how it works when you apply electronically, but what' s to prevent someone from saying they are owed money? The burden of proof is going to have to be on the creditor, and i... | {
"entities": {
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{
"text": "I have never applied for credit in any way other by paper application,",
"start": 0,
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},
{
"text": "and everyone I have ever owed money to has tons of paperwork.",
"start": 71,
"end": 132
}
... | [] |
While Alternative 1 seems simplest, there are hidden complications. Who defines what " principal " means? With revolving credit accounts, interest accrues (as finance charges) and is rolled into the balance. So does " principal " mean only the part of the balance that was charged by the cardholder (very difficult, if n... | {
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"text": "While Alternative 1 seems simplest,",
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"text": "there are hidden complications.",
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{
"text": "Who defines what \" principal \" means?",
... | [] |
The case law related to this portion of the FDCPA has made it risky for collectors to include anything other than exactly what the FDCPA says. However, I don' t think the law, as written, is easy to understand. For example-the first sentence says unless you dispute the debt, it will be considered valid (" dispute " and... | {
"entities": {
"value": [
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"text": "The case law related to this portion of the FDCPA has made it risky for collectors to include anything other than exactly what the FDCPA says.",
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"end": 142
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{
"text": "However, I don' t think the law, as written,... | [] |
This proposed rulemaking is not about credit reporting. I understand that people have significant concerns about their credit reports. But that belongs in a reform of the Fair Credit Reporting Act, not the FDCPA. Inserting credit reporting rules into the FDCPA would make things difficult for debt collectors who don' t ... | {
"entities": {
"value": [
{
"text": "This proposed rulemaking is not about credit reporting.",
"start": 0,
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},
{
"text": "I understand that people have significant concerns about their credit reports.",
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"end": 134
},
... | [] |
I think it would. I work for an attorney at a debt collection law firm and I think this would make things a lot easier and simpler. | {
"entities": {
"value": [
{
"text": "I think it would.",
"start": 0,
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},
{
"text": "and I think this would make things a lot easier and simpler.",
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}
],
"testimony": [
{
"text": "I work f... | [] |
Credit bureaus are responsible for 95% of identity theft and inaccurate consumer credit files. It' s because their revenue comes from businesses who pay for access to their databases including phony ones. I have a letter from a credit bureau that says the only thing they do to investigate/verify accuracy is ask the ent... | {
"entities": {
"fact": [
{
"text": "Credit bureaus are responsible for 95% of identity theft and inaccurate consumer credit files.",
"start": 0,
"end": 94
},
{
"text": "Here is a a group of people that are trained, licensed in their State,",
"start": 1266... | [] |
I meant to say, " all lawyers should be banned from being debt collectors. " They are unethical and work strictly out of greed to circumvent the laws that are supposed to protect consumers. Verification of debts should require the creditor to provide written proof of the initial debt instrument with the consumers' sign... | {
"entities": {
"value": [
{
"text": "I meant to say, \" all lawyers should be banned from being debt collectors. \"",
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{
"text": "They are unethical and work strictly out of greed to circumvent the laws that are supposed to protect consume... | [] |
just the phone number should show up on the called ID. The consumer can google the number and figure out if they want to talk or call back the number. More importantly, it gives attorneys the ability to make fdcpa claims against collection agencies since we know who is calling. | {
"entities": {
"policy": [
{
"text": "just the phone number should show up on the called ID.",
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],
"value": [
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"text": "The consumer can google the number and figure out if they want to talk or call back the number.",
"star... | [] |
A central system has privacy concerns and it would be useful only if it included verification of who picked up the document and when. Instead creditors and debt buyers should be mandated to allow secure document uploading to their own website with official notification that the document has been reviewed. I have a pend... | {
"entities": {
"value": [
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"text": "A central system has privacy concerns",
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{
"text": "and it would be useful only if it included verification of who picked up the document and when.",
"start": 38,
"end": 133
},
... | [] |
The Consumer Finance Protection Bureau needs to have a large core of undercover agents that get jobs at collection agencies, credit agencies and servicers. These agents need full federal law enforcement powers with guns and badges so they can perp-walk suspects out of their offices and take them to federal holding faci... | {
"entities": {
"policy": [
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"text": "The Consumer Finance Protection Bureau needs to have a large core of undercover agents that get jobs at collection agencies, credit agencies and servicers.",
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"end": 155
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{
"text": "These agents need full federal... | [] |
When a debt collection company (Bayview) took over servicing of my mortgage, I began receiving phone calls at work and on my cell phone about my mortgage payments even thought they were not late. This included robo-calls. I was told this was' standard' and to ignore these phone calls, but I really got angry and filed a... | {
"entities": {
"testimony": [
{
"text": "When a debt collection company (Bayview) took over servicing of my mortgage, I began receiving phone calls at work and on my cell phone about my mortgage payments",
"start": 0,
"end": 162
},
{
"text": "even thought they we... | [] |
I am dealing with a debt collection company who is also a mortgage company. They are having issues separating the two types of services. They are also having an incredible amount of IT (web) problems. Their website is down, or only their staff can see it, or they cannot upload my account information, etc. Other IT issu... | {
"entities": {
"fact": [
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"text": "I am dealing with a debt collection company who is also a mortgage company.",
"start": 0,
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],
"value": [
{
"text": "They are having issues separating the two types of services.",
"start": 76,
... | [] |
The agency I work for is small and follows FDCPA to the letter of the law. And yet we are still sued constantly by attorneys representing debtors. These attorneys count on the fact that it' s less costly to settle than to go to court to prove that we have not violated the law. Our retail division is in trouble because ... | {
"entities": {
"value": [
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"text": "The agency I work for is small and follows FDCPA to the letter of the law.",
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"end": 74
},
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"text": "These attorneys count on the fact that it' s less costly to settle than to go to court to prove that we have not ... | [] |
This is a fantastic idea. Right now, debt buyers buy debt for an average price of 4 cents on the dollar. Many debts are bought for 2-4 cents on the dollar and many other debts are given away for free. If I were an original creditor, would like to get the most money I could for a debt owed to me. And so if I could get 1... | {
"entities": {
"value": [
{
"text": "This is a fantastic idea.",
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},
{
"text": "If I were an original creditor, would like to get the most money I could for a debt owed to me.",
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"end": 296
},
{
... | [] |
Yes, I do think your restrictions on workplace calls per week would be helpful, but I do not see any information requiring details on the content of Robo-Calls. For example, the calls I referred to earlier included robo-calls telling me that I had " messages " waiting for me in my Bayview Account, and to access these m... | {
"entities": {
"value": [
{
"text": "Yes, I do think your restrictions on workplace calls per week would be helpful,",
"start": 0,
"end": 79
},
{
"text": "but I do not see any information requiring details on the content of Robo-Calls.",
"start": 80,
... | [] |
I was flat out lied to by the attorney for a credit card company who brought a small claims suit against me. I disputed the debt (and still do even after they garnished my wagesbut they intimidated me into a payment arrangement then lied to me and said there was no court date anymore since I " settled ". I was skeptica... | {
"entities": {
"value": [
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"text": "I was flat out lied to by the attorney for a credit card company who brought a small claims suit against me.",
"start": 0,
"end": 108
},
{
"text": "wagesbut they intimidated me into a payment arrangement then lied to me and sa... | [] |
I support these restrictions on robo-calling and any calls during the work hours. With respect to robo-calls, any robo-calls that are misleading should be restricted. That is, a robo-call that tells you that you have a message or an account update, and the only way to get it is to call a special number with an extensio... | {
"entities": {
"value": [
{
"text": "I support these restrictions on robo-calling and any calls during the work hours.",
"start": 0,
"end": 81
},
{
"text": "That is, a robo-call that tells you that you have a message or an account update, and the only way to get ... | [] |
Please consider robo-calls when developing rules for this section. See my comments about robo-callers leaving messages on cell phones under robo-calling. I understand the need to protect privacy, but this is not the answer. The messages left for me on my cell phone could have been returned by anyone with access to the ... | {
"entities": {
"policy": [
{
"text": "Please consider robo-calls when developing rules for this section.",
"start": 0,
"end": 66
},
{
"text": "See my comments about robo-callers leaving messages on cell phones under robo-calling.",
"start": 67,
"e... | [] |
Yes. I fell onto hard times during a divorce and found out a few years ago that my dad (whom I haven' t lived with for 20 + years) receives so many debt collection calls for me every day he quit answering his home phone. This is unacceptable. We cannot even figure out how they got his phone number because I never lived... | {
"entities": {
"testimony": [
{
"text": "Yes. I fell onto hard times during a divorce and found out a few years ago that my dad (whom I haven' t lived with for 20 + years) receives so many debt collection calls for me every day he quit answering his home phone.",
"start": 0,
"end": ... | [] |
I guess I should also have clarified in my previous comment that I have made attempts to deal with creditors directly if I know who they are and who they claim to be representing but my personal perception is they PREFER to continue contacting 3rd parties because they hope I' ll just pay them to avoid the public humili... | {
"entities": {
"testimony": [
{
"text": "I guess I should also have clarified in my previous comment that I have made attempts to deal with creditors directly if I know who they are and who they claim to be representing",
"start": 0,
"end": 178
},
{
"text": "My i... | [] |
I have had several doctor/laboratory debts placed on my credit report. These are debts that I never rec' d a bill for or even a phone call from the hospital or facility. I have very good health insurance that paid over $14k when I had my baby... 3 months go by and I start getting notified by my credit monitoring agency... | {
"entities": {
"testimony": [
{
"text": "I have had several doctor/laboratory debts placed on my credit report.",
"start": 0,
"end": 70
},
{
"text": "These are debts that I never rec' d a bill for or even a phone call from the hospital or facility.",
"sta... | [] |
Currently, CRA' s deny responsibility for " reporting " inaccurate information given to them. CRA' s should be liable for both actual and punitive damages caused by " reporting " inaccurate information. | {
"entities": {
"fact": [
{
"text": "Currently, CRA' s deny responsibility for \" reporting \" inaccurate information given to them.",
"start": 0,
"end": 93
}
],
"policy": [
{
"text": "CRA' s should be liable for both actual and punitive damages caused by ... | [] |
As a college grad since 1979 and a first-time homebuyer, I have found widespread violations of the FDCPA among the creditors and their outsourced private collections agencies. I' ve also found and been a victim of deception in the debt collection practice observing poor record keeping on the part of all parties. We mus... | {
"entities": {
"testimony": [
{
"text": "As a college grad since 1979 and a first-time homebuyer, I have found widespread violations of the FDCPA among the creditors and their outsourced private collections agencies.",
"start": 0,
"end": 175
},
{
"text": "I' ve a... | [] |
Technology does not allow debtors or alleged debtors to distinguish land lines from cellphones of debt collectors; whether private or federal. There appears to be a double standard between the debtor and collector. I have received calls after business hours and sometimes even on a Sunday from a mortgage servicer, whom ... | {
"entities": {
"fact": [
{
"text": "Technology does not allow debtors or alleged debtors to distinguish land lines from cellphones of debt collectors; whether private or federal.",
"start": 0,
"end": 142
},
{
"text": "because it bypassed the mail system.",
... | [] |
I had surgery at a hospital in 2006. I have 2 forms of insurance, both excellent. Therefore I rarely have a medical bill to pay, or it is for a very small amount. Sometime after the surgery (I do not recall how long after the procedure), there were repeated calls to my phone by an actual person who said, " This is (fir... | {
"entities": {
"testimony": [
{
"text": "I had surgery at a hospital in 2006.",
"start": 0,
"end": 36
},
{
"text": "I have 2 forms of insurance, both excellent.",
"start": 37,
"end": 81
},
{
"text": "Sometime after the surgery ... | [] |
This particular bill collector has in the past said that I owe $20. 00 more as I had a non sufficient funds. [which I would not do]. I disputed it with my bank statements and still they insisted that I have. I refused to pay that. | {
"entities": {
"testimony": [
{
"text": "This particular bill collector has in the past said that I owe $20. 00 more as I had a non sufficient funds. [which I would not do].",
"start": 0,
"end": 132
},
{
"text": "I disputed it with my bank statements",
"s... | [] |
I always pay my debts on time, and this bill collector posts on my account late-which always has a' late fee'. | {
"entities": {
"testimony": [
{
"text": "I always pay my debts on time,",
"start": 0,
"end": 30
},
{
"text": "and this bill collector posts on my account late-which always has a' late fee'.",
"start": 31,
"end": 110
}
]
},
"relations... | [] |
Recently I received an " offer " from a firm indicating it would approve a new Visa or MasterCard account if I agreed to assume responsibility for a debt allegedly owed to another credit card firm. The first firm, which apparently was the original creditor, apparently sold the alleged debt to a third party. It was this... | {
"entities": {
"testimony": [
{
"text": "Recently I received an \" offer \" from a firm indicating it would approve a new Visa or MasterCard account if I agreed to assume responsibility for a debt allegedly owed to another credit card firm.",
"start": 0,
"end": 197
},
{
... | [] |
One issue I am experiencing is that since I allegedly received an overpayment of wages from a former employer, I have NONE of the consumer protections that I should. I fall into the gray space of being a consumer and my alleged (and incorrectly so) debt is considered " commercial " and therefore there are absolutely NO... | {
"entities": {
"testimony": [
{
"text": "One issue I am experiencing is that since I allegedly received an overpayment of wages from a former employer,",
"start": 0,
"end": 110
},
{
"text": "I have NONE of the consumer protections that I should.",
"start"... | [] |
Some years ago, a debt collector was trying to collect a debt for an emergency room visit that included foot/leg xrays. The problem was that the only time I had ever been to the hospital in question was a worker' s compensation covered workplace injury and it involved only my hand (sliced open, six stitches). I had con... | {
"entities": {
"testimony": [
{
"text": "Some years ago, a debt collector was trying to collect a debt for an emergency room visit that included foot/leg xrays.",
"start": 0,
"end": 119
},
{
"text": "The problem was that the only time I had ever been to the hospi... | [] |
I' m concerned that the proposed rules are just a back door to allow Director Cordray to find out about my special toy collection. He has sent me writings demanding my special toy collection, and I' m afraid that now that he' s Director of the CFPB, he' s using his power to come after my favorite toy, Mr. Longblack. | {
"entities": {
"value": [
{
"text": "I' m concerned that the proposed rules are just a back door to allow Director Cordray to find out about my special toy collection.",
"start": 0,
"end": 130
},
{
"text": "and I' m afraid that now that he' s Director of the CFPB... | [] |
Validation should be obtained from the Creditor by the Collection Agency prior to any Collection attempt is made by the Collection Agency at the very least. It would be even better if the Collection Agency would give notice of validation at least 5 days before any attempt is made to Collect. This notice would give the ... | {
"entities": {
"policy": [
{
"text": "Validation should be obtained from the Creditor by the Collection Agency prior to any Collection attempt is made by the Collection Agency at the very least.",
"start": 0,
"end": 156
},
{
"text": "The rules of Evidence Judicia... | [] |
States Rights versus Federal Rights are the biggest issues with the rule making process. There is a vast divergence of state law requirements that create areas that confuse consumers, regulators, and those in the industry as to what laws apply in what settings. A universal rule that would apply in all settings would as... | {
"entities": {
"value": [
{
"text": "States Rights versus Federal Rights are the biggest issues with the rule making process.",
"start": 0,
"end": 88
},
{
"text": "There is a vast divergence of state law requirements that create areas that confuse consumers, regu... | [] |
Although I don' t think that it is necessary for the CFPB to have undercover agents, I do think that the CFPB should create a new class of examiners. Currently the CFPB examiners only do examinations of the financial lenders and nonbank lenders. But since the CFPB is now taking on the collection industry, the CFPB shou... | {
"entities": {
"policy": [
{
"text": "Although I don' t think that it is necessary for the CFPB to have undercover agents, I do think that the CFPB should create a new class of examiners.",
"start": 0,
"end": 149
},
{
"text": "the CFPB should create a new classif... | [] |
I have a charged off loan which I have been trying to get a repay plan on but the debt is listed as one amount on my CBR and the debt collector had the balance increased by $12K more when discussing it over the phone. That is outrageous that they do not have an accurate amount of what is owed to the original lender. | {
"entities": {
"testimony": [
{
"text": "I have a charged off loan which I have been trying to get a repay plan on",
"start": 0,
"end": 73
},
{
"text": "but the debt is listed as one amount on my CBR and the debt collector had the balance increased by $12K more w... | [] |
I have a charged off debt I want to pay off. I cannot afford a lump sum and asked the debt collector and original lender in writing mutiple times to work with me on a settlement. They refuse to answer my letters and I keep writing every month. I think they should be made to at least respond to a customer requests for r... | {
"entities": {
"testimony": [
{
"text": "I have a charged off debt I want to pay off.",
"start": 0,
"end": 44
},
{
"text": "I cannot afford a lump sum and asked the debt collector and original lender in writing mutiple times to work with me on a settlement.",
... | [] |
There is no need for these so-called examiners but there is definitely a need for courageous and dedicated attorneys determined to enforce the laws that the CFPB should pass, laws that protect the ordinary folk, the innocent, those who' re unable to protect themselves, even those who may have actually failed to pay the... | {
"entities": {
"value": [
{
"text": "There is no need for these so-called examiners",
"start": 0,
"end": 46
},
{
"text": "but there is definitely a need for courageous and dedicated attorneys determined to enforce the laws that the CFPB should pass, laws that pro... | [] |
It could be treated just like any document you fax or snail mail, uploading is just an easier way to get it there. As to fine time, I would say 48 hours. | {
"entities": {
"value": [
{
"text": "It could be treated just like any document you fax or snail mail,",
"start": 0,
"end": 65
},
{
"text": "uploading is just an easier way to get it there.",
"start": 66,
"end": 114
},
{
"text"... | [] |
I still stand by what I said; CFPB should have a large core of undercover agents with arresting powers. | {
"entities": {
"value": [
{
"text": "I still stand by what I said;",
"start": 0,
"end": 29
}
],
"policy": [
{
"text": "CFPB should have a large core of undercover agents with arresting powers.",
"start": 30,
"end": 103
}
]
},
... | [] |
I was a reference for an ex-boyfriend on a student loan application. One of the FDCPA rules is that the reference can only be contacted once by a creditor. Well, each time the account is sold to a new collection agency, they call me again, even though I tell them I have no idea where he is. I think creditors skirt the ... | {
"entities": {
"testimony": [
{
"text": "I was a reference for an ex-boyfriend on a student loan application.",
"start": 0,
"end": 68
},
{
"text": "Well, each time the account is sold to a new collection agency, they call me again,",
"start": 156,
... | [] |
Items 1 through 10 should all be provided on the validation notice. Number 10 specifically should include the Date-of-service or DOS for the medical debt. Many consumers do not realize that medical debt goes to collections just like any other consumer debt. They mistakenly believe that their insurance company will reso... | {
"entities": {
"policy": [
{
"text": "Items 1 through 10 should all be provided on the validation notice.",
"start": 0,
"end": 67
},
{
"text": "Number 10 specifically should include the Date-of-service or DOS for the medical debt.",
"start": 68,
"... | [] |
When calling about a debt, debt collectors MUST verify that they are speaking to the debtor (s) or other adult within the household. I know that is stated within the FDCPA but from experience I know it doesn' t always happen. My situation goes back to the 1970' s but it was done then and it' s probably still being done... | {
"entities": {
"policy": [
{
"text": "When calling about a debt, debt collectors MUST verify that they are speaking to the debtor (s) or other adult within the household.",
"start": 0,
"end": 132
},
{
"text": "New language in the FDCPA should specifically and cle... | [] |
My husband called a creditor about payments to an old account and wanted to make the account current after missed payments, due to job loss. The account was reopened under a new account number. Now I have 2 accounts on my credit report with the same amount. | {
"entities": {
"testimony": [
{
"text": "My husband called a creditor about payments to an old account and wanted to make the account current after missed payments, due to job loss.",
"start": 0,
"end": 140
},
{
"text": "The account was reopened under a new accou... | [] |
In Michigan a company had its Collection Agency Revoked due to unethical practices 2008. But this did not stop them. Now they practice as attorneys and continue the unethical practices. Yes states must figure out how to close this loophole. | {
"entities": {
"fact": [
{
"text": "In Michigan a company had its Collection Agency Revoked due to unethical practices 2008.",
"start": 0,
"end": 88
}
],
"value": [
{
"text": "But this did not stop them.",
"start": 89,
"end": 116
},
... | [] |
Yes, that just happened to me today, someone called trying to locate a friend saying they were a " courier service. " | {
"entities": {
"testimony": [
{
"text": "Yes, that just happened to me today,",
"start": 0,
"end": 36
},
{
"text": "someone called trying to locate a friend saying they were a \" courier service. \"",
"start": 37,
"end": 117
}
]
},
"... | [] |
It might help to take a look at how debt collectors are compensated. I think, based upon people I know who have held such work, that collectors who receive their pay based on a commission are incentivized to abuse the consumer. I do not think the CFPB' s mission is to provide job security for the debt collection indust... | {
"entities": {
"value": [
{
"text": "It might help to take a look at how debt collectors are compensated.",
"start": 0,
"end": 68
},
{
"text": "I do not think the CFPB' s mission is to provide job security for the debt collection industry.",
"start": 228,... | [] |
Marian makes an excellent point about how Debt Collectors are paid. They try to get as much money upfront as possible. Ironically, if they get too much money upfront, the credit card company might snatch the account back from the debt collector. If the amount is " too low " that the debt collector receives, they are no... | {
"entities": {
"value": [
{
"text": "Marian makes an excellent point about how Debt Collectors are paid.",
"start": 0,
"end": 67
},
{
"text": "If the amount is \" too low \" that the debt collector receives, they are not interested.",
"start": 246,
... | [] |
I had an issue where an attorney, acting on my behalf, requested verification of the loan debt and never heard back from the collector. Therefore can not move ahead with settlement until they respond. | {
"entities": {
"testimony": [
{
"text": "I had an issue where an attorney, acting on my behalf, requested verification of the loan debt and never heard back from the collector.",
"start": 0,
"end": 135
},
{
"text": "Therefore can not move ahead with settlement un... | [] |
I too have received calls from collectors who are on fishing expeditions, looking for a person who owes money. THE PROBLEM IS, EVEN AFTER BEING INFORMED THAT THE PERSON THEY ARE LOOKING FOR CANNOT BE REACHED AT MY PHONE NUMER AND TO PUT ME ON THEIR DO NOT CALL LIST-THEY STILL CALL. I have contacted local law enforcemen... | {
"entities": {
"testimony": [
{
"text": "I too have received calls from collectors who are on fishing expeditions, looking for a person who owes money.",
"start": 0,
"end": 110
},
{
"text": "THE PROBLEM IS, EVEN AFTER BEING INFORMED THAT THE PERSON THEY ARE LOOKI... | [] |
It seems to me that the system must provide a series of' handshakes': When a dispute is initiated; when the dispue is resolved; or when a dispute is withdrawn. In each case the consumer must know with certainty that the collector acknowledges the consumer' s position and that the CRA has been properly notified. The CRA... | {
"entities": {
"policy": [
{
"text": "It seems to me that the system must provide a series of' handshakes': When a dispute is initiated; when the dispue is resolved; or when a dispute is withdrawn.",
"start": 0,
"end": 159
},
{
"text": "In each case the consumer ... | [] |
I have never been deliquent on my State taxes. Due to an error made by the company I worked for in 2008, which didn' t take out taxes, I am now faced with dealing with the State Collection agency. I have never heard of the State threating the residents to try to collect taxes. I called and coopertaed, however, the call... | {
"entities": {
"testimony": [
{
"text": "I have never been deliquent on my State taxes.",
"start": 0,
"end": 46
},
{
"text": "Due to an error made by the company I worked for in 2008, which didn' t take out taxes, I am now faced with dealing with the State Collec... | [] |
In 2010 I was sued by a debt collector for a debt. At the time I was in my final year of law school and was surprised at the amount of misinformation used by the plaintiff' s attorney (e. g. claiming that no proof of assignment was necessary). I informed the attorney that I would need proof that this was my debt as wel... | {
"entities": {
"testimony": [
{
"text": "In 2010 I was sued by a debt collector for a debt.",
"start": 0,
"end": 50
},
{
"text": "At the time I was in my final year of law school and was surprised at the amount of misinformation used by the plaintiff' s attorney ... | [] |
I agree that expanding the scope of the validation notice would benefit consumers. Especially important is a means for the consumer to contact the original creditor and identify the account in question. When debts are sold multiple times it becomes impossible for consumers to: (1) determine if the account is theirs; (2... | {
"entities": {
"value": [
{
"text": "I agree that expanding the scope of the validation notice would benefit consumers.",
"start": 0,
"end": 82
},
{
"text": "Especially important is a means for the consumer to contact the original creditor and identify the accoun... | [] |
As an " authorized user " who has no access to the actual credit card, my credit rating is suffering because the " account holder " presently, is only able to make the minimum monthly payments. I don' t think this is fair and have not been able to get a direct response from anyone to see if card companies can legally d... | {
"entities": {
"testimony": [
{
"text": "As an \" authorized user \" who has no access to the actual credit card, my credit rating is suffering",
"start": 0,
"end": 100
},
{
"text": "because the \" account holder \" presently, is only able to make the minimum mon... | [] |
I live in Florida where proof of the debt is getting difficult for debt buyers to prove without them falsifying documents. I currently have a case where the Debt bill of sale was whited out in three places, sadly these documents were filed by an attorney at law registered with the Florida Bar Association. Debt buyers h... | {
"entities": {
"value": [
{
"text": "I live in Florida where proof of the debt is getting difficult for debt buyers to prove without them falsifying documents.",
"start": 0,
"end": 122
},
{
"text": "Debt buyers have no scruples",
"start": 307,
"en... | [] |
I agree with MER. I have experience as a debtor, pro-bono attorney and debt collector. You can' t expect collectors to be judge or jury. The cease communication right is meant to to force the collector to sue or go away. | {
"entities": {
"value": [
{
"text": "I agree with MER.",
"start": 0,
"end": 17
},
{
"text": "You can' t expect collectors to be judge or jury.",
"start": 87,
"end": 136
},
{
"text": "The cease communication right is meant to to... | [] |
Dear CFPB: I hope you will separate the comments about debt buyers from those about debt collection in general. This is another area where you should throw the book at collectors telling deliberate lies or misrepresentations. On the other hand, there are too many federal suits brought by consumers who were not misled b... | {
"entities": {
"value": [
{
"text": "Dear CFPB: I hope you will separate the comments about debt buyers from those about debt collection in general.",
"start": 0,
"end": 111
},
{
"text": "On the other hand, there are too many federal suits brought by consumers wh... | [] |
Honest, respectful and open communication between consumers and collectors should be the goal. If there are too many roadblocks to making contact with a debtor, more consumers will find negative information on their credit reports and have more lawsuits filed against them. Rule number 1 strikes the right balance. If th... | {
"entities": {
"policy": [
{
"text": "Honest, respectful and open communication between consumers and collectors should be the goal.",
"start": 0,
"end": 94
},
{
"text": "If calls contiue after that point from the same collector, then there should be penalties.",... | [] |
I do not think collectors would mind reimbursing consumers who are charged per call or per message. Add $5 for the hassle of getting the refund. Collectors should have a way to make contact with consumers who choose not to have a flat-rate telephone service. Honest, respectful and open communication by all parties is t... | {
"entities": {
"value": [
{
"text": "I do not think collectors would mind reimbursing consumers who are charged per call or per message.",
"start": 0,
"end": 99
},
{
"text": "Honest, respectful and open communication by all parties is the key to giving consumers ... | [] |
My experience has been that people younger than I (a boomer) prefer to communicate electronically (emails, texts & chats). I know that when I was deeply in debt, I would have preferred not to have to speak to a real person. There is a legitimate concern about unencrypted email or the potential for consumers not to cons... | {
"entities": {
"value": [
{
"text": "My experience has been that people younger than I (a boomer) prefer to communicate electronically (emails, texts & chats).",
"start": 0,
"end": 122
},
{
"text": "I know that when I was deeply in debt, I would have preferred no... | [] |
The Telephone Consumer Protection Act of 1991 (TCPA) was passed by the United States Congress in 1991 and signed into law by President George H. W. Bush as Public Law 102-243. It amended the Communications Act of 1934. The TCPA is codified as 47 U. S. C. 227. The TCPA restricts telephone solicitations (i. e., telemarke... | {
"entities": {
"fact": [
{
"text": "The Telephone Consumer Protection Act of 1991 (TCPA) was passed by the United States Congress in 1991 and signed into law by President George H. W. Bush as Public Law 102-243.",
"start": 0,
"end": 175
},
{
"text": "It amended t... | [] |
I believe that some collection agencies attempt to coerce payment in order to reset the clock on debts that would otherwise be time-barred. The real issue here however is one of proper record keeping. The collection agencies may not be fully sure if the debt is time barred or not simply because it has passed hands seve... | {
"entities": {
"value": [
{
"text": "I believe that some collection agencies attempt to coerce payment in order to reset the clock on debts that would otherwise be time-barred.",
"start": 0,
"end": 139
},
{
"text": "The real issue here however is one of proper re... | [] |
Partial payments should NOT revive the debt. The original lender or the agencies working on their behalf have more than reasonable time to collect on an outstanding amount owed. We have rules in place on both collecting debts and on reporting them and partial payment on a debt should not circumvent those rules. | {
"entities": {
"policy": [
{
"text": "Partial payments should NOT revive the debt.",
"start": 0,
"end": 44
},
{
"text": "and partial payment on a debt should not circumvent those rules.",
"start": 248,
"end": 312
}
],
"value": [
... | [] |
I believe Amex handles this the best. The account holder is liable for all charges made by themselves and any authorized users added to the account. Authorized Users however are given a unique card number and can be held accountable for any charges they make. | {
"entities": {
"value": [
{
"text": "I believe Amex handles this the best.",
"start": 0,
"end": 37
}
],
"fact": [
{
"text": "The account holder is liable for all charges made by themselves and any authorized users added to the account.",
"start": ... | [] |
Email: Yes so long as it is not a " blind " email attempt at reaching an individual as it may reach the incorrect party (first. lastname @company. com when it should be first. lastname1 @company. comThe down side to this is the inevitable fishing attacks by scammers. Email should therefore be limited to times when the ... | {
"entities": {
"value": [
{
"text": "Email: Yes so long as it is not a \" blind \" email attempt at reaching an individual",
"start": 0,
"end": 83
},
{
"text": "The down side to this is the inevitable fishing attacks by scammers.",
"start": 199,
"... | [] |
Texts: No, text messaging and cell phones should be prohibited as there is not a viable means for the consumer to record the text and bring it into court as documentation if needed. All the issues raised about collectors calling the wrong individual or family members would be 100x worse with texting. | {
"entities": {
"policy": [
{
"text": "Texts: No, text messaging and cell phones should be prohibited",
"start": 0,
"end": 62
}
],
"fact": [
{
"text": "as there is not a viable means for the consumer to record the text and bring it into court as documentat... | [] |
Social Media: While the courts have made the rare exception for use of social media as a means of giving notice, not everyone is on every social media platform. I am very internet savy yet I am not on foursquare, pinterest and several others. On FB, Twitter and others there are several thousand people with my name who ... | {
"entities": {
"fact": [
{
"text": "Social Media: While the courts have made the rare exception for use of social media as a means of giving notice,",
"start": 0,
"end": 112
},
{
"text": "not everyone is on every social media platform.",
"start": 113,
... | [] |
Collection email should not be sent to a consumers work place email address. As I stated earlier, email communication should be consumer initiated at this time unless the consumer specifically opts to list an email address of record with the 3 major credit reporting agencies. | {
"entities": {
"policy": [
{
"text": "Collection email should not be sent to a consumers work place email address.",
"start": 0,
"end": 76
},
{
"text": "As I stated earlier, email communication should be consumer initiated at this time unless the consumer specifi... | [] |
Email correspondences from a company or collection agency should list the state they are registered in and the registration number for consumer validation purposes. There is way to many scam emails to possibly think an email from a collector would be valid. | {
"entities": {
"policy": [
{
"text": "Email correspondences from a company or collection agency should list the state they are registered in and the registration number for consumer validation purposes.",
"start": 0,
"end": 164
}
],
"value": [
{
"text": "... | [] |
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