Community Leader
Epic Contributor
Posts: 26,034
Registered: ‎03-19-2007
Re: Better Business Bureau/Calvary Portfolio Services - RANT

BBB complaints are fine.  However, the FCRA and FDCPA assign legal authority to the FTC to either take sanctions or legal action for violations.

The BBB has no such authority.

I would always suggest sending a formal FTC complaint.

I dont see lack of verification as the violation, as FDCPA 809(b) does not compel debt verification, it compels the cessation of collection activities until verification is provided.

Violation of the FDCPA occurs by resumption of collection on the debt without having provided verification.


Their acts in violation of privacy and disclosing information to the third party BBB is another matter..... quite possibly FDCPA violations.