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Consumer

Policeman Reaching Out of Cell Phone Screen

This complaint names as defendants two “yoga joints”—The Yoga Joint South, LLC and Yoga Joint—Deerfield, LLC—in Florida. The complaint claims that the two are responsible for sending text messages to consumer cell phones in violation of the Telephone Consumer Protection Act (TCPA).

Living Room with Wall of PGT Windows, with Sea View

More and more employers use consumer reports as a means of screening prospective employees. The Fair Credit Reporting Act (FCRA) forbids this practice unless the employer follows the provisions of the law. The complaint for this class action claims that PGT Industries, Inc., a maker of customer windows and doors, did not provide proper disclosure that it intended to obtain such a report and that it did not obtain proper authorization. 

ACCC Insurance Company Logo

Unfortunately, people often find out what an insurance policy does and does not cover only after an incident has occurred and payment is required. The complaint for this class action claims that ACCC Insurance Company did not provide the uninsured/underinsured motorist (UM/UIM) coverage required by Mississippi state law. 

TransUnion Logo

Because consumer reports are being used by more and more parties, including by landlords before renting an apartment, it’s important that credit reporting companies acquire accurate information. But the complaint for this class action alleges that TransUnion, LLC and TransUnion Resident Screening Solutions, Inc. (TURSS) do not do enough to ensure the accuracy and currency of information, resulting in unnecessarily negative reports to landlords. The complaint claims violations of the FCRA.

Tampa Bay Rays Logo

It seems the even sports teams are doing illegal telemarketing these days. The complaint for this class action alleges that Tampa Bay Rays Baseball, Ltd. has been sending unsolicited text messages to consumer cell phones without the consumers’ consent, thus violating the Telephone Consumer Protection Act (TCPA).

Dashub Logo

Dashub, LLC is an automobile dealership that provides the service of bidding at vehicle auctions for would-be individual buyers. But the complaint for this class action claims that Dashub falsifies the amount it pays for the vehicles, thereby breaching its contracts and violating New York’s General Business Law. The complaint alleges the company also separately violates the state’s Vehicle and Traffic Law.

Roll of Cash

State laws regulate lenders, requiring that they be licensed and specifying a ceiling on the amount of interest they can charge. But in recent years, some have tried to get around these laws, and any regulation whatsoever, by falsely claiming that their loan companies are owned by Native American tribes and taking advantage of sovereignty laws. The complaint for this class action details one such “rent-a-tribe” scheme, which it says violated the Racketeer Influenced and Corrupt Organizations (RICO) Act.

Hand Reaching Out to Demand Payment

The Fair Debt Collection Practices Act (FDCPA) tries to keep third-party debt collectors from various forms of abusive or deceptive behavior. At issue in this case, the complaint claims, is Security Credit System, Inc.’s attempt to charge an extra 2.5% processing fee for debts paid with a credit card.

Bill with Words "Final Notice" Stamped in Red

Diamond Resorts Management, Inc. collects debts for various owners’ associations of timeshare condos, associations and resorts. In this class action, the complaint alleges that Diamond does not follow the Fair Debt Collection Practices Act (FDCPA) in its collection activities, in particular by not informing consumers of their rights to dispute the debt or any part of it.

Hand Giving Dollars Bill to Other Person's Hand

Debt collectors will try many tactics to get consumers to pay up on debts. The Fair Debt Collection Practices Act (FDCPA)—and the ability to sue under it—tries to ensure that their tactics are neither abusive nor misleading. The complaint for this class action alleges that debt collector GC Services Limited Partnership used deceptive statements in an attempt to get a consumer to pay up quickly. 

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