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CFPB Enforcement

Please also see our Recent Government Enforcement Actions page.

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December 28, 2015

The CFPB filed a proposed consent order in the Northern District of Georgia that would require Frederick J. Hanna & Associates and its principal partners to pay $3.1 million to the Bureau’s Civil Penalty Fund and bar them from illegal debt-collection practices. The CFPB’s complaint charges the firm with intimidating consumers with deceptive court filings and introducing faulty or unsubstantiated evidence in court. CFPB

December 17, 2015

The CFPB took separate actions against T3Leads and Eric V. Sancho, who operated Lead Publisher, for reselling sensitive personal data to lenders and debt collectors, allegedly exposing millions of consumers to harassment and deceit. CFPB

December 17, 2015

The CFPB ordered CarHop, one of the country’s biggest “buy-here, pay-here” auto dealers, and its affiliated financing company, Universal Acceptance Corporation, to cease their illegal activities and pay a $6,465,000 civil penalty for providing damaging, inaccurate consumer information to credit reporting companies. CFPB

December 16, 2015

The CFPB ordered EZCORP, Inc., a small-dollar lender, to refund $7.5 million to 93,000 consumers, pay $3 million in penalties, and stop collection of remaining payday and installment loan debts owed by roughly 130,000 consumers for illegal debt collection practices. The CFPB found that EZCORP collected debts from consumers through unlawful in-person collection visits at their homes or workplaces, risked exposing consumers’ debts to third parties, falsely threatened consumers with litigation for non-payment of debts, and unfairly made multiple electronic withdrawal attempts from consumer accounts, causing mounting bank fees. CFPB

December 7, 2015

The CFPB filed a proposed consent order that would require EOS CCA, a Massachusetts debt collection firm, to overhaul its debt collection practices, refund at least $743,000 to consumers, and pay a $1.85 million civil money penalty for (1) reporting and collecting on old cellphone debt that consumers disputed and EOS CCA did not verify and (2) providing inaccurate information to credit reporting companies about the debt and failing to correct reported information that it had determined was inaccurate. CFPB

December 3, 2015

The CFPB ordered a nationwide credit reporting company, Clarity Services, Inc., to pay an $8 million penalty, halt its illegal practices, and improve the way it investigates consumer disputes and obtains, sells, and resells consumer credit reports. The company had illegally obtained consumer credit reports and failed to appropriately investigate consumer disputes. CFPB

November 18, 2015

The CFPB filed an administrative lawsuit against an online lender, Integrity Advance, LLC, and its CEO, James R. Carnes, for deceiving consumers about the cost of short-term loans. The suit seeks redress for harmed customers, injunctive relief, and a civil monetary penalty. CFPB

November 3, 2015

CFPB supervisory actions between May 2015 and August 2015 resulted in $107 million in relief to more than 238,000 consumers for violations in the student loan servicing, mortgage origination and servicing, consumer reporting, and debt collection markets. CFPB

October 29, 2015

The CFPB ordered General Information Services and its affiliate, e-Background-checks.com, Inc., two of the largest employment background screening report providers, to pay $10.5 million in relief to harmed consumers, and pay a $2.5 million civil penalty, for failing to take basic steps to assure the information they reported about job applicants was accurate. The serious inaccuracies reported potentially affected consumers’ eligibility for employment and caused reputational harm. CFPB
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