Payment Law Advisor Legal Commentary and Resources for the Payment Industry

UDAAP Enforcement Action Database

PLA presents below a database of enforcement actions that include allegations of unfair, deceptive, or abusive acts or practices (UDAAP) in connection with consumer financial products. The database focuses on enforcement actions by the Consumer Financial Protection Bureau, the Office of the Comptroller of the Currency, and the Federal Trade Commission. PLA intends the database to facilitate analysis of the themes and patterns in these agencies’ UDAAP enforcement actions.

We’ve sorted the actions by agency in the sequence indicated above. (Some actions involved multiple federal and/or state regulators, but for simplicity they’re grouped under the CFPB, FDIC, OCC or FTC.) The comments column offers data about selected issues such as whether the action involves claims of abusive practices.

A couple of disclaimers: first, although we’ll be supplementing the database from time to time, it’s not currently comprehensive. Second, while the PLA site has a search function, there’s no search function specifically for the database. If you’re on this page and need to search it, we’d recommend you use your browser’s “find” function.

We hope the database is useful and would welcome your feedback. Please contact us here with your suggestions.

The following resources, linked elsewhere on our site as well, may also be useful in this context:

Searchable PDF version of the database is now available!


Jump to: CFPB | FDIC | Fed | FTC | OCC

Consumer Financial Protection Bureau (CFPB)

Download the CFPB searchable PDF file here.

Agency Date of Action Party Documents Alleged Activity Product/
Service
Comments
CFPB 12/04/18 Village Capital and Investment, LLC Press Release; Complaint Deceptive representations to veterans regarding benefits of Interest Rate Reduction Refinancing Loans Loans guaranteed by the Department of Veterans Affairs
CFPB 11/20/18 Santander Consumer USA, Inc. Press Release; Consent Order Deceptive marketing; misrepresentations regarding loan extensions Auto loans
CFPB 10/24/18 Cash Express, LLC Press Release; Consent Order Deceptive representations about furnishing; deceptive threats to sue on time-barred debt; abusive exercise of set-off Payday and title loans; check-cashing services Abusive
CFPB 10/04/18 Bluestem Brands, Inc.; Bluestem Enterprises, Inc.; and Bluestem Sales, Inc., also doing business as Fingerhut and Gettington.com Press Release; Consent Order Unfair debt collection involving delayed payments to third-party debt buyers and inaccurate credit reporting Debt collection
CFPB 09/13/18 Future Income Payments, LLC, Scott Kohn, and related entities Press Release; Complaint Deceptive representations about pension advance products Pension advance products
CFPB 07/19/18 Triton Management Group, Inc., TMS Group, Inc. d/b/a Always Money, EFS, Inc. d/b/a Quik Pawn Shop, and Three Rivers Investment, Inc. d/b/a Always Money Press Release; Consent Order Deceptive representations of finance charges of certain auto title loans Auto title loans Auto title loans
CFPB 07/13/18 National Credit Adjusters, LLC and Bradley Hochstein Press Release; Consent Order Unfair inflation of amounts owed by consumers; deceptive threats to take legal action; unfair oversight of agencies’ collection practices; providing substantial assistance to others’ deceptive and unfair acts and practices Debt collection
CFPB 06/13/18 Security Group, Inc., Security Finance Corporation of Spartanburg, Professional Financial Services Corp., et al. Press Release; Consent Order Unfair in-person collection at consumers’ homes and places of employment; unfair telephonic collection attempts to consumers’ places of employment; unfair calls to third parties Debt collection
CFPB 04/20/18 Wells Fargo Bank, N.A. CFPB Press Release; Consent Order; OCC Press Release Unfair practices relating to collateral protection insurance and mortgage interest rate lock extension fees Auto loans; Residential mortgage loans Joint  action with OCC
CFPB 11/21/17 Citibank, N.A. Press Release; Consent Order Deceptive representations of tax benefits to student loan borrowers; unfair failure to refund erroneously assessed interest capitalization and late fees; deceptive practices related to monthly account statements Student loan servicing
CFPB 11/20/17 Conduent Business Services, f/k/a Xerox Business Services, LLC Press Release; Consent Order Unfair operation of software that caused transmission of inaccurate consumer information to consumer reporting agencies Credit reporting
CFPB 11/15/17 Think Finance, LLC, formerly known as Think Finance, Inc. Press Release; Complaint Unfair, deceptive, and abusive practices relating to the collection of loan payments that consumers did not owe; substantially assisting other covered persons in the same violations Debt collection Abusive
CFPB 11/08/17 Freedom Debt Relief, LLC and Andrew Housser Press Release; Complaint Deceptive representations about creditors’ willingness to negotiate debt relief and fees; abusively requiring consumers to negotiate on their own Debt relief services Abusive
CFPB 10/12/17 Federal Debt Assistance Association, LLC, Financial Document Assistance Administration, Inc., Clear Solutions, Inc., Robert Pantoulis, David Piccione, and Vincent Piccione Press Release; Complaint; Default Judgment and Final Order Deceptive representations concerning debt-relief and credit-repair services, government affiliation Debt relief services
CFPB 09/19/17 Top Notch Funding II, LLC, Rory Donadio, and John “Gene” Cavalli Press Release; Complaint; Stipulated Final Judgment and Order Deceptive marketing of APR and interest rate, qualifications, and speed with which consumers could receive proceeds from loans Settlement advance loans
CFPB 09/18/17 National Collegiate Student Loan Trusts and Transworld Systems, Inc. Press Release; Complaint; National Collegiate Proposed Consent Judgment; Transworld Systems Consent Order Deceptive practices involving false affidavits, lawsuits filed without the intent or ability to prove claims, and the collection of time-barred debt; Unfair practice of filing lawsuits without the intent or ability to prove claims Student loans; debt collection
CFPB 09/06/17 Zero Parallel, LLC Press Release; Consent Order Abusiveness in connection with sale of leads likely to result in void loans Lead brokerage Abusive
CFPB 08/17/17 Aequitas Capital Management, Inc., et al. Press Release; Complaint; Proposed Settlemnt; Stipulated Final Judgment and Order Abusive practice of funding and supporting sham loans Student loans Abusive
CFPB 06/27/17 Prime Credit, L.L.C., IMC Capital, L.L.C., Commercial Credit Consultants, Blake Johnson, Eric Schlegel, Park View Law, and Arthur Barens Press Release; Johnson Complaint; Barens Complaint; Johnson Proposed Stipulated Final Judgment and Order; Barens Proposed Stipulated Final Judgment and Order Deceptive marketing of credit repair services Credit repair services
CFPB  04/27/17 Golden Valley Lending, Inc., Silver Cloud Financial, Inc., Mountain Summit Financial, Inc., and Majestic Lake Financial, Inc. Complaint, Press Release High cost loans originated through tribal lender Small dollar loans Abusive
CFPB 04/20/17  Ocwen Financial Corporation et al. Complaint, Press Release Servicing misconduct and deceptive sales practices Mortgages & add-on products
CFPB  04/17/17  Weltman, Weinburg & Reis Co., L.P.A. Complaint, Press Release Deceptive debt collection Debt collection
CFPB  03/23/17 Experian Holdings, Inc., Experian
Information Solutions, Inc., and
ConsumerInfo.com, Inc., dba
Experian Consumer Services
Consent Order, Press Release, Stipulation Deceptive marketing Credit scores
CFPB  02/07/17 RD Legal Funding, LLC et al. Complaint, Press Release Deceptive marketing Structured settlement buyouts Abusive; Joint  Action with New York Attorney General
CFPB  02/01/17 UniRush LLC and Mastercard
International Incorporated
Consent Order, Press Release, Stipulation Servicing errors Prepaid cards
CFPB  01/23/17 CitiMortgage Inc. Consent Order, Press Release, Stipulation Servicing misconduct Mortgage servicing
CFPB  01/23/17 CitiFinancial Servicing, LLC et al. Consent Order, Press Release, Stipulation Servicing misconduct Mortgage servicing
CFPB  01/19/17 TCF National Bank Complaint, Press Release Deceptive marketing Overdraft services Abusive
CFPB  01/18/17 Navient Corporation; Navient Solutions, Inc.; and Pioneer Credit Recovery, Inc. Complaint, Cordray’s Remarks, Press Release Servicing misconduct Student loans Abusive
CFPB  01/03/17 TransUnion Interactive, Inc., TransUnion, LLC, and TransUnion Consent Order, Press Release, Blog Post Deceptive marketing Credit scores
CFPB  01/03/17 Equifax Inc. and Equifax Consumer Services LLC Consent Order, Press Release, Blog Post Deceptive marketing Credit scores
CFPB  12/16/16 Moneytree Press Release;
Consent Order
Deceptive marketing and debt collection Installment loans and check cashing
CFPB  12/08/16 American Advisors Press Release;
Consent Order
Deceptive marketing Reverse mortgages
CFPB  12/07/16 Reverse Mortgage Solutions Press Release;
Consent Order
Deceptive marketing Reverse mortgages
CFPB  12/07/16 Aegean Finanical Press Release;
Consent Order
Deceptive marketing Reverse mortgages
CFPB  11/16/16 Access Funding Press Release;
Complaint
Deceptive marketing Structured settlement factoring
CFPB  10/12/16 Northern Resolution Group, LLC Press Release;
Complaint
Debt Collection Consumer debt Joint action with the New York Department of Financial Services
CFPB  10/11/16 Navy Federal Credit Union Press Release;
Consent Order
Debt Collection Deposit accounts and loans
CFPB  09/27/16 Flurish Inc. d/b/a Lend Up Press Release;
Consent Order
Deceptive marketing Payday loans
CFPB  09/26/16 TMX Finance LLC Press Release;
Consent Order
Deceptive marketing Automobile title loans  Abusive
CFPB  09/20/16 Prime Marketing Holdings, LLC Press Release;
Consent Order
Deceptive marketing Credit repair services
CFPB  09/12/16 Bridgepoint Education, Inc. Press Release;
Consent Order
Deceptive marketing Student loans
CFPB  09/08/16 Wells Fargo Press Release;
Consent Order
Opening accounts without consent Credit cards, debit cards, deposit accounts, and online banking Abusive; Coordinated action with the OCC and City and County of Los Angeles
CFPB  08/25/16 First National Bank of Omaha Press Release;
Consent Order
Credit card add-on product sales and servicing Debt cancellation and credit monitoring
CFPB  08/22/16 Wells Fargo Press Release;
Consent Order
Loan servicing Student loans
CFPB  07/14/16 Santander Bank, N.A. Press Release;
Consent Order
Deceptive marketing Overdraft
CFPB  06/06/16 Intercept Corporation Complaint;
Press Release
Processing improper
transactions
Payment
processor
CFPB 05/11/16 All American Check Cashing Complaint;
Press Release
Deceptive marketing;
fee disclosures
Payday loans and
check cashing
Abusive
CFPB 04/25/16 New Century Financial Services Consent Order;
Press Release
Debt collection Debt collection
CFPB 04/25/16 Pressler and Pressler Consent Order;
Press Release
Debt collection Debt collection
CFPB 04/21/16 Davit Gasparyan (T3Leads) Complaint;
Press Release
Deceptive marketing Payday loan lead sales Abusive
CFPB 04/21/16 Dmitry Fomichev (T3Leads) Complaint;
Press Release
Deceptive marketing Payday loan lead sales  Abusive
CFPB 03/30/16 Student Aid Institute, Inc. Consent Order;
Press Release
Debt collection/
Settlement
Debt settlement
services
CFPB  03/02/16 Dwolla, Inc. Consent Order;
Press Release
Deceptive
marketing;
data security
Money
transmission
CFPB 02/23/16 Faloni & Associates, LLC Consent Order;
Stipulation and Consent;
Press Release
Debt collection Credit card debt
CFPB 02/23/16 Solomon & Solomon, P.C. Consent Order;
Stipulation and Consent;
Press Release
Debt collection Credit card debt
CFPB 02/23/16 Citibank, N.A., Department
Stores National Bank, and
CitiFinancial
Servicing, LLC.
Consent Order;
Press Release
Debt collection Credit card debt
CFPB 02/23/16 Citibank, N.A. Consent Order;
Press Release
Debt sales Credit card debt
CFPB 01/21/16 Y King S Corp
dba Herbies Auto
Sales
Consent Order;
Press Release
Deceptive marketing Auto loans Abusive
CFPB 12/17/15 Interstate Auto Group, Inc. DBA CarHop Consent Order;
Press Release
Credit reporting inaccuracies Auto loans
CFPB 12/17/15 Lead Publisher Consent Order;
Press Release
Reckless support of UDAAP violation Payday loan lead sales
CFPB 12/17/15 D and D
Marketing, Inc. DBA T3Leads
Complaint;
Press Release
Deceptive marketing Payday loan lead sales Abusive
CFPB 12/16/15 EZCorp, Inc. Consent Order;
Press Release
Debt collection Debt collection \ payday loans
CFPB 12/8/2015 Collecto, Inc. Complaint;
Press Release;
Stipulated Final
Judgment and
Order
Debt collection Cell phone debt
CFPB 11/18/15 Integrity Advance, LLC Brief in Support
of Motion to
Dismiss;
Notice of
Charges;
Press Release
Deceptive marketing Payday loans Admin
proceeding
CFPB 10/29/15 Student Financial Resource Center and College Financial Advisory Complaint;
Press Release
Deceptive marketing Student financial aid counseling
CFPB 10/01/15 Westlake Services, LLC & Wilshire Consumer Credit, LLC Consent Order;
Press Release
Debt collection Auto Loans
CFPB 09/28/15 Fifth Third Bank Consent Order;
Press Release
Deceptive marketing Credit card debt protection
CFPB 09/15/15 World Law Group Complaint;
Preliminary Injunction;
Press Release
Illegal collection of fees Debt settlement services
CFPB 09/09/15 Portfolio Recovery Associates Consent Order Debt Collection Debt collection
CFPB 09/09/15 Encore Capital Group Consent Order, Press Release Debt Collection Debt collection
CFPB 08/20/15 Pension Funding, LLC and Pension Income, LLC Complaint;
Consumer Advisory;
Press Release
Deceptive Marketing and Sales Pension advance loans Joint action with NYDFS; Abusive
CFPB 08/19/15 Springstone Financial, LLC Consent Order;
Press Release
Deceptive Marketing and Sales Deferred interest loans
CFPB 08/12/15 Citizens Financial Group Consent Order;
Press Release
Servicing misconduct Deposit account servicing Joint action with FDIC and OCC
CFPB 08/04/15 NDG Enterprise Complaint;
Press Release
Debt collection; loan origination Payday loans Abusive
CFPB 07/30/15 Residential Credit Solutions, Inc. Consent Order;
Press Release
Servicing misconduct Mortgage servicing
CFPB 07/28/15 Paymap Inc. Consent Order;
Press Release
Deceptive marketing Payment processing for biweekly mortgage payment product
CFPB 07/28/15 LoanCare, LLC Consent Order;
Press Release
Deceptive marketing Biweekly mortgage payment product
CFPB 07/23/15 Student Financial Aid Services, Inc. Complaint; Press Release;
Stipulated Final Judgment and Order
Unauthorized negative option enrollments and recurring payments Student financial aid counseling
CFPB 07/22/15 Discover Bank and Affiliates Consent Order; Press Release Improper cost disclosures and debt collection Student loans servicing
CFPB 07/21/15 Citibank, N.A., Department Stores National Bank, and Citicorp Credit Services, Inc. Consent Order; Press Release Credit card add-on product sales and servicing Debt protection and credit monitoring; expedited payments
CFPB 07/01/15 Intersections Inc. Complaint; Press Release; Stipulated Final Judgment and Order Credit card add-on product sales and servicing Credit monitoring
CFPB 07/01/15 Affinion Group Holdings, Inc. Complaint; Press Release; Stipulated Final Judgment and Order Credit card add-on product sales and servicing Credit monitoring
CFPB 06/17/15 Security National Automotive Acceptance Company Complaint; Press Release Debt collection Auto loans Abusive
CFPB 05/19/15 PayPal, Inc. and Bill Me Later, Inc. Complaint;
Cordray’s Remarks;
Press Release;
Stipulated Final Judgment
Marketing / Servicing Misconduct Digital wallet / installment loans
CFPB 05/12/15 Verizon Wireless Complaint;
Cordray’s Remarks;
Press Release;
Stipulated
Final Judgment and Order
Marketing / Servicing Misconduct Wireless telephone services / payment processing / add-on products
CFPB 05/11/15 Nationwide Biweekly
Administration, Inc.
and
Loan Payment
Administration LLC
Complaint;
Press Release
Marketing Biweekly
mortgage
payment
product
Abusive
CFPB 04/28/15 Regions Bank Consent Order;
Consumer Advisory;
Press Release;
Cordray’s Remarks
Marketing/
Overdraft
Opt-in
Overdraft;
Deposit
Advance
CFPB 04/21/15 Green Tree Servicing, LLC Stipulated Order for Permanent Injunction and Monetary Judgment Servicing Misconduct Mortgages Joint Action with FTC
CFPB 04/20/15 Fort Knox National Company,
et al.
Consent Order Undisclosed fees Payment processing (military allotments)
CFPB 04/14/15 S/W Tax
Loans, Inc.
et al.
Stipulated Final Judgment and Order Marketing / Undisclosed Kickbacks Tax Refund Anticipation Loans Joint Action with Navajo Nation
CFPB 04/08/15 Universal
Debt & Payments Solutions,
LLC et al.
Complaint Debt Collection
/ Settlement
Various
debts
CFPB 04/09/15 RMK Financial Corporation Consent Order;
Press Release;
Stipulation and Consent to the Issuance
Marketing Mortgages
CFPB 03/30/15 National Corrective Group, Inc. Complaint;
Press Release;
Stipulated Final Judgment
Debt Collection
/ Settlement
Various debts
CFPB 02/12/15 Flagship Financial Group, LLC Consent Order;
Press Release;
Stipulation and Consent to the Issuance
Marketing Mortgages
CFPB 02/12/15 American Preferred Lending, Inc. Consent Order;
Press Release;
Stipulation and Consent to the Issuance
Marketing Mortgages
CFPB 02/12/15 All Financial Services, LLC Complaint;
Press Release
Marketing Mortgages
CFPB 02/10/15 Newday Financial, LLC Consent Order;
Press Release;
Stipulation and Consent to Issuance
Marketing Mortgages
CFPB 02/04/15 Continental Finance Company, LLC Consent Order;
Press Release;
Stipulation and Consent to Issuance
Marketing Credit cards
CFPB 02/03/15 Union Workers Credit Services, Inc. Press Release;
Stipulated Final Judgment and Order
Marketing Credit cards
CFPB 12/18/14 Freedom
Stores, Inc.
Complaint;
Stipulated Final Judgment and Consent Order;
Press Release;
Blog Post
Debt
Collection/
Settlement
Installment
loans
Abusive
CFPB 12/17/14 Union Workers
Credit Services
Complaint;
Press Release
Marketing Credit Cards
CFPB 12/17/14 Sprint Complaint;
Cordray’s Remarks ;
Press Release (Settlement);
Press Release;
Request for Motions on Settlement Approval;
Stipulated Final Judgment Order
Deceptive
Marketing of
add-on
products/
Debt
Collection/
Settlement
Premium
text
messages
CFPB 12/11/14 Student Loan
Processing
US
Complaint;
Consumer Advisory;
Press Release
Debt
Collection/
Settlement
Student loan
debt relief
CFPB 12/11/14 College
Education
Services LLC
Complaint;
Stipulated Final Judgment and Order;
Consumer Advisory
Press Release
Marketing;
Debt
Collection/
Settlement
Student loan
debt relief
Abusive
CFPB 11/19/14 DriveTime
Automotive
Group, Inc.
and DT
Acceptance
Corp.
Consent Order;
Press Release
Debt
Collection/
Settlement
& Credit
Reporting
Auto loans
CFPB 10/09/14 M&T Bank Consent Order;
Press Release
Marketing Checking
accounts
CFPB 09/29/14 Flagstar
Bank,
F.S.B.
Consent Order,
Press Release
Customer
service
Mortgage
servicing;
Mortgage
loss
mitigation
CFPB 09/25/14 US Bank,
N.A.
Consent Order,
Press Release
Billing Credit
cards;
Identity
theft
protection;
Add-on
products
Two-step
enrollment
CFPB 09/16/14 Corinthian
Colleges
Complaint for
Pemanent
Injunction
& Other Relief
,
Default
Judgment
& Order
Predatory
lending
Private
student
loans
CFPB 09/08/14 Hydra
Financial
Complaint for
Pemanent
Injunction &
Other Relief
Billing
and
collections
Payday
loans
CFPB 08/25/14 Global
Client
Solutions
Consent Order,
Press Release,
Complaint
Debt
settlement/
collection
Debt-relief
programs
CFPB 08/20/14 First
Investors
Financial
Services
Group,
Inc.
Consent Order,
Press Release
Credit
reporting inaccuracies
Auto
Loans
CFPB 08/14/14 USA
Discounters
Stipulated Final
Judgment
and Consent
Order
;
Press Release
Marketing Retail
install-
ment
loans;
Add-on
products
CFPB 08/12/14 Amerisave Consent Order,
Press Release
Marketing Mortgages;
Appraisals
CFPB 07/29/14 Rome
Finance
Co., Inc.
Consent Order,
Press Release
Marketing Retail
installment
loans
Abusive
CFPB 07/26/14 Clausen &
Cobb
Management
Company,
Inc.
Complaint for
Pemanent
Injunction &
Other Relief
; Press Release
Debt
settlement/
collection
Mortgage
assistance
relief
services;
Debt-relief
programs
CFPB 07/26/14 The
Mortgage
Law
Group
Complaint;
Press Release
Debt
settlement/
collection
Mortgage
assistance
relief
services;
Debt-relief
programs
CFPB 07/26/14 Hoffman
Law
Group
Complaint for Permanent Injunction & Other Relief;
Press Release
Debt
settlement/
collection
Mortgage
assistance
relief
services;
Debt-relief
programs
CFPB 07/14/14 Frederick
J.
Hanna &
Associates
Complaint;
Press Release
Debt
collection
Various
debts
CFPB 07/10/14 Ace Cash
Express
Consent Order;
Press Release
Debt
collection
Payday
loans
Abusive
CFPB 06/19/14 GE
Capital/
Synchrony
Bank
Consent Order;
Press Release
Marketing Credit
cards;
Add-on
products;
Payment
protection
CFPB 06/17/14 SunTrust
Mortgage,
Inc.
Consent Judgment
(Proposed)
;
Complaint;
Press Release
Systemic
mortgage
servicing
misconduct
including
robo-signing
and
illegal
foreclosure
practices
Mortgage
lending;
Mortgage
servicing
CFPB 04/09/14 Bank of
America,
N.A.;
and
FIA Card
Services,
N .A.
Consent Order;
Press Release
Marketing;
Billing
Credit
cards;
Payment
protection;
Identity
theft
monitoring
Two-step
enrollment
CFPB 02/26/14 ITT
Educat-
ional
Services,
Inc.
Complaint for
Injunctive
Relief and
Damages
;
Press Release
Marketing;
Predatory
lending
Private
student
loans
Abusive
CFPB 12/24/13 American
Express
Travel
Related
Services
Company
Consent Order;
Press Release
Marketing Credit cards;
Payment
protection;
Identity
theft
monitoring
Two-step
enrollment
CFPB 12/24/13 American
Express
Centurion
Bank
Consent Order;
Press Release
Marketing Credit
cards;
Payment
protection;
Identity
theft
monitoring
Two-step
enrollment
CFPB 12/24/13 American
Express
Bank,
FSB
Consent Order;
Press Release
Marketing Credit
cards;
Payment
protection;
Identity
theft
monitoring
CFPB 12/19/13 Ocwen
Financial
Corp-
oration;
Ocwen
Loan
Servicing,
LLC
Consent Judgment
(Proposed &
Entered);
Press Release
;
Cordray’s Remarks
Systemic
mortgage
servicing
misconduct
including
robo-signing
and
illegal
foreclosure
practices
Mortgage
lending;
Mortgage
servicing
CFPB 12/10/13 GE Capital
Retail
Bank,
Care-
Credit
LLC
Consent Order;
Press Release
Marketing Credit
cards
CFPB 11/20/13 Cash America
Inter-
national,
Inc.
Consent Order;
Press Release
Debt
collection
Payday
loans
CFPB 09/18/13 JPMorgan
Chase
Bank,
N.A.;
Chase
Bank
USA,
N.A.
Consent Order;
Press Release
Billing Credit
cards;
Identity
theft
protection;
Add-on
products
Two-step
enrollment
CFPB 08/20/13 Morgan
Drexen,
Inc.
Complaint for
Permanent
Injunction &
Other Relief
;
Press Release
Debt
Collection/
Settlement
Debt-relief
CFPB 06/26/13 U.S.
Bank
National
Association
Consent Order;
Press Release
Marketing Auto
loans;
Vehicle
service
contracts;
GAP
insurance;
Add-on
products
CFPB 06/25/13 Dealers’
Financial
Services,
LLC
Consent Order;
Press Release
Marketing Auto
loans;
Vehicle
service
contracts;
GAP
insurance;
Add-on
products
CFPB 06/07/13 American
Debt
Settlement
Solutions,
Inc.
Stipulated Final Judgment and Order;
Complaint;
Press Release
Debt
settlement/
collection
Debt-
relief
programs

Abusive

CFPB 12/21/12 Payday
Loan
Debt
Solutions
Stipulated Final Judgment and Order; Blog Debt
settlement/
collection
Debt-
relief
programs
CFPB 12/03/12 National
Legal
Help
Center
Complaint for Permanent Injunction and Other Relief;
Press Release
Upfront
fees;
Marketing
Mortgage
assistance
relief
services;
Debt-
relief
programs
CFPB 10/01/12 American
Express
Bank,
FSB
Consent Order;
Stipulation;
Fact Sheet;
Press Release
Marketing;
Debt
Collection/
Settlement
Credit cards;
Promotional
benefits
CFPB 10/01/12 American
Express
Centurion
Bank
Consent Order;
Stipulation;
Fact Sheet;
Press Release
Marketing;
Debt
Collection/
Settlement
Credit
cards;
Promotional
benefits
CFPB 10/01/12 American
Express
Travel
Related
Services
Company
Consent Order;
Stipulation
Fact Sheet;
Press Release
Marketing;
Debt
Collection/
Settlement
Credit
cards;
Promotional
benefits
CFPB 09/24/12 Discover
Bank
Consent Order;
Fact Sheet;
Press Release
Marketing Credit
cards;
Payment
protection;
Identity
theft
protection;
Add-on
products
CFPB 07/17/12 Gordon
Law
Firm
Complaint for Permanent Injuction & Other Relief;
Press Release
Upfront
fees;
Marketing
Mortgage
assistance
relief
services;
Debt-relief
programs
CFPB 07/17/12 Capital
One
Bank,
N.A.
Consent Order,
Fact Sheet
Marketing Credit
cards;
Payment
protection;
Credit
monitoring;
Add-on
products

 

Federal Deposit Insurance Corporation (FDIC)

Download the FDIC searchable PDF file here.

Agency Date of Action Party Documents Alleged Activity Product/
Service
Comments
FDIC 03/28/17 Cross River Bank and Freedom Financial Asset Management, LLC Press Release, Cross River Consent Order, Freedom Financial Consent Order Unfair and deceptive practices including requiring borrowers to sign loan documents without knowing the essential terms and conditions of the loan, failing to make certain disclosures, and making certain material misrepresentations Consumer banking
FDIC 03/07/18 The Bancorp Bank Press Release, Consent Order Unfair or deceptive acts or practices including overcharging transaction fees for certain point-of-sale, signature-based transactions (i.e., transactions not requiring a personal identification number or PIN) on certain stored-value cards General purpose reloadable debit cards
FDIC 05/11/17 Military Credit Services, Inc. Complaint, Press Release Deceptive marketing Installment loans, add-on products
FDIC 05/11/17 Freedom Stores, LLC Complaint, Press Release Deceptive marketing Installment loans, add-on products
FDIC 05/11/17 Bank of Lake Mills Complaint, Press Release Deceptive marketing Installment loans, add-on products
FDIC 12/23/15 The Bancorp Bank Consent Order;
Press Release
Error resolution, account termination, and fees Prepaid card programs
FDIC 12/23/15 WEX Bank Consent Order Deceptive marketing Disbursement of student loan proceeds and checking accounts See separate FDIC and Fed actions against Higher One
FDIC 09/08/15 Comenity Bank, Comenity Capital Bank Consent Order 1; Consent Order 2;
Press Release
Deceptive marketing Credit card debt protection

 

Federal Reserve System (Fed)

Download the Fed searchable PDF file here.

Agency Date of Action Party Documents Alleged Activity Product/
Service
Comments
Fed 07/26/18 Community Trust Bank, Inc Press Release; Order to Cease and Desist Deceptive marketing of deposit account add-on products to consumers Consumer banking
Fed 11/28/17 Peoples Bank Press Release; Consent Order Deceptive residential mortgage origination practices Mortgage origination
Fed 10/26/17 Mid America Bank and Trust Company Press Release; Consent Order Deceptive marketing related to balance transfer credit cards Credit cards
Fed 12/06/16 Customers Bank Press Release; Consent Order Deceptive marketing Student loans and deposit accounts
Fed 12/23/15 Higher One, Inc., as an institution-affiliated party of Customers Bank and a former institution -affiliated party of Cole Taylor Bank Consent Order Deceptive marketing Disbursement of student loan proceeds and checking accounts See separate FDIC actions against Higher One and WEX Bank

 

Federal Trade Commission (FTC)

Download the FTC searchable PDF file here.

Agency Date of Action Party Documents Alleged Activity Product/ Service Comments
FTC 12/11/18 Electronic Payment Solutions of America, Inc., et al. Press Release; Press Release; Complaint Unfair credit card laundering in connection with providing ISO and payment processing services to merchants Payment processing / Independent Sales Organization (ISO)
FTC 12/07/18 American Student Loan Consolidators LLC Press Release; Complaint; Final Order for Permament Injunction and Monetary Judgment Deceptive student loan debt relief representations Student loan debt relief
FTC 12/07/18 Student Debt Doctor LLC Press Release; Complaint; Final Order for Permanent Injunction and Monetary Judgment Deceptive student loan debt relief representations Student loan debt relief
FTC 11/29/18 LendingClub Corporation Press Release; Amended Complaint Deceptive representations concerning fees, certainty of loan approval; unfair unauthorized charges Online lending marketplace
FTC 11/27/18 Passport Imports, Inc. (Passport Toyota) Press Release; Complaint; Stipulated Order for Permanent Injunction (as to Defendants Passport Imports, Inc., Everett A. Hellmuth, III, and Klein); Stipulated Order for Permanent Injunction as to Defendants Temecula Equity Group, LLC and Jeffrey R. Bush Deceptive advertising involving “urgent recall notice” misrepresentations Auto sales
FTC 11/20/18 Impetus Enterprise, Inc. Press Release; Complaint; Ex Parte Temporary Restraining Order With Asset Freeze Deceptive student loan debt relief representations Student loan debt relief
FTC 10/29/18 Social Finance, Inc. and Sofi Lending Corp. Press Release; Complaint; Agreement Containing Consent Order; Statement by Commissioner Deceptive representations regarding savings Online lending
FTC 09/07/18 Global Processing Solutions, Advanced Mediation Group, Lamar Snow, Jahaan McDuffie, and Glentis Wallace Press Release; Complaint; Default Judgment and Final Order for Permanent Injunction and Other Monetary Relief Against Defendants Advanced Mediation Group, LLC, Apex National Services, LLC, Mitchell & Maxwell, LLC, and Mirage Distribution; Stipulated orders against Lamar Snow, Global Processing Solutions LLC, Intrinsic Solutions LLC, North Center Collections Inc and Diverse Financial Enterprises Inc.; Jahaan McDuffie, Capital Security Investments LLC and American Credit Adjusters LLC,; Glentis Wallace, also known as Glen Wallace Deceptive practices including false threats regarding consequences of non-payment and false or unsubstantiated representations that consumers owed debts Debt Collection
FTC 07/31/18 Tate’s Auto Center Press Release; Complaint Unfair and deceptive conduct related to   financing applications, advertising Auto sales and financing
FTC 06/12/18 Capital Home Advocacy Center Press Release; Complaint Deceptive representations concerning loan modification programs;  deceptive representations regarding  affiliation with the government or other entities Mortgage loan modification
FTC 06/11/18 M&T Financial Group (Student Debt Relief Group) Press Release; Complaint; Final Order Deceptive student loan debt relief representations Student loan debt relief
FTC 06/07/18 Consumer Defense, LLC, et al. Press Release; Press Release; Complaint; Stipulated Order for Permanent Injunction and Monetary Judgment as to Defendant Benjamin Horton Deceptive representations about mortgage modifications Mortgage loan modification
FTC 06/04/18 Lombardo, Daniels & Moss Press Release; Complaint Deceptive representations about debts not owed by  consumers; deceptive representations about intention       to take legal     action Debt Collection
FTC 05/31/18 Strategic Student Solutions LLC Press Release; Complaint Deceptive student loan debt relief representations Student loan debt relief
FTC 05/24/18 PayPal, Inc. Press Release; Complaint; Decision and Order; Letters to Commenters Deceptive practices including failing to disclose information about the ability to transfer funds and privacy settings; falsely representing information security Payment processing
FTC 05/16/18 Thomas Dluca, et al. (Bitcoin Funding Team) Press Release; Complaint Deceptive representations in connection with initial coin offering Cryptocurrency
FTC 02/07/18 American Financial Benefits Center, et al Press Release; Complaint Deceptive student loan debt relief representations Student loan debt relief
FTC 07/17/17 Hardco Holding Group LLC (Alliance Law Group) Press Release; Complaint; Order Deceptive representations regarding debts not owed by consumers Debt Collection
FTC 06/23/17 ACDI Group LLC Press Release; Complaint Deceptive representations regarding debts not owed by consumers Debt Collection
FTC 05/15/17 Strategic Student Solutions Complaint, Press Release, Temporary Order Deceptive marketing
FTC 02/27/17 United Debt Counselors, LLC Consent Order, Press Release Deceptive marketing
FTC 02/14/17 GC Services Complaint, Press Release Unlawful calls to debtors
FTC 01/19/17 The Western Union Company Complaint, Press Release Money      laundering,   abetting wire fraud
FTC 05/30/16 Stark Law, LLC d/b/a Stark Recovery Press Release; Complaint Debt collection Payday loans
FTC 05/25/16 Good Business LLC Press Release; Complaint Deceptive marketing Home loan and student loan modification services
FTC 08/07/15 Sequoia One, LLC Press Release; Complaint Date brokering Payday loans
FTC 06/29/15 All Us Marketing LLC Press Release; Complaint Deceptive marketing Credit card interest rate reduction programs
FTC 05/31/15 Wealth Educators, Inc. Press Release; Complaint Marketing and performance Mortgage relief services
FTC 05/11/15 Unified Global Group Press Release; Complaint Debt Collection Consumer debt
FTC 05/11/15 The Primary Group Press Release; Complaint Debt Collection Consumer debt
FTC 05/11/15 Premier Debt Acquisitions Press Release; Complaint Debt Collection Consumer debt
FTC 07/22/13 AMG Services, Inc. Stipulated Order for
Permanent Injunction and Judgment
Marketing; Debt collection Payday lending
FTC 01/31/12 Asset Acceptance, LLC Consent Decree Mis-representations; Failure to disclose Debt collection practices
FTC 09/16/11 Loan-Pointe, LLC Final Order of Judgment and Permanent Injunction Mis-representations; improper communication with third parties Payday lending; Collection activities
FTC 07/21/11 Swish Marketing, Inc. Final Judgment and Order for
Permanent Injunction
Marketing Payday lending
FTC 07/29/10. RCA Credit Servs., LLC Amended Final
Judgment and Permanent Injunction
Marketing Credit repair services
FTC 12/28/09 Virtual Works, LLC Final Judgment and Order for Permanent Injunction Marketing Pre-paid debit cards
FTC 12/19/08 CompuCredit and Jefferson Capital Systems Stipulated Order for Permanent Injunction Mis- representations      of available       credit and debit collection   program;         Failure to disclose fees and              effect of use of   card on         available credit Consumer credit products and related financial services; Debit collection practices
FTC 11/12/08 Cash Today, Ltd. Stipulated Final Judgment and Order for Permanent Injunction and Other Equitable Relief as to certain defendants Debt collection; Harassment Payday loans
FTC 08/14/07 Kmart Corp. Consent Order Marketing; Failure to disclose fees Gift cards
FTC 08/02/07 Fairbanks Capital Corp. Modified Stipulated Final Judgment and
Order
Failure to timely post payments; force placed casualty     insurance on consumers’    homes; failure to disclose; mis-representation       of amounts         owed and fees collected Servicing and collection of mortgage loans
FTC 03/08/07 Canada Ltd. Order for Permanent Injunction and Final Judgment Telemarketing Advance fee credit cards
FTC 09/25/06 Mortgages Para Hispanos.com Corp. & Daniel Moises Goldberg Stipulated Final Judgment and Order for Permanent Injunction Mis-representations of loan terms Mortgage lending services
FTC 05/03/06 Integrated Credit Solutions, Inc. Stipulated Final Judgment and Order for Permanent Injunction Marketing Credit counseling
FTC 12/18/05 Peoples Credit First, LLC Order Marketing Credit card direct mail solicitations
FTC 07/18/05 Check Investors Final Order for Judgment and Permanent Injunction as to certain defendants Mis- representations Debt collection practices
FTC 03/30/05 Debt Management Found. Servs., Inc. Stipulated Final Judgment and Order for Permanent Injunction and Other
Equitable Relief
Marketing Debt management programs
FTC 02/23/05 Capital City Mortgage
Corp.
Settlement Agreement, Stipulated Injunction, Release, Final Order Mis- representations
FTC 11/03/04 First American Payment Processing, Inc. Stipulated Perment Injunction and Final Order Marketing Payment processing
FTC 08/13/04 Ranney, Phillip W., individually; Armor Mortgage Amended Permanent Injunction,
Order for Judgment by Default and Permanent Injunction
Marketing Mortgage refinancing
FTC 06/23/04 Direct Mktg. Concepts Appeal Marketing Weight loss cures
FTC 04/09/04 Bay Area Bus, Council, Inc. Order for Permanent Injunction with Monetary Judgment and Other Relief as to
certain defendants
Telemarketing; Undisclosed fees Credit card sales
FTC 10/28/03 Stewart Finance Co. Consent Order for Preliminary Injunction: Debtor & Non-Debtor Failure to     disclose; mis- representations Personal consumer loans
FTC 03/13/00 DBC Financial, Inc. Decision and Order Marketing;    Failure to      disclose Credit card fees
FTC 02/06/97 General Motors Corp., Am. Honda Motor Co., Mazda Motor of America, Inc., Mitsubishi Motor Sales of America, Inc., American Isuzu Motors, Inc. Consent Orders:

Marketing; Failure to disclose Consumer auto leases
FTC Washington Data Resources Order Direct mail; Telemarketing activities Consumer mortgage loan modification and foreclosure relief services
FTC Neovi, Inc. Final Order for Permanent Injunction and Other Equitable Relief Failure to verify person requesting checks; unauthorized check draws Check creation and delivery
FTC Cyber-space.com Order Granting in Part Plaintiff’s Motion for Summary Judgment and Denying Defendants’ Motions for Summary Judgment Marketing Check solicitations
FTC Chase Financial Funding, Inc. Final Judgment and Order for Permanent Injunction and Other Equitable Relief Marketing; Failure to disclose Mortgage lending

 

Office of the Comptroller of the Currency (OCC)

Download the OCC searchable PDF file here.

Agency Date of Action Party Documents Alleged Activity Product/
Service
Comments
OCC  07/20/18 TCF National Bank Consent Order Deceptive practices related to the Bank’s presentation of its ATM and one-time debit card transaction overdraft service Overdraft service
OCC  05/01/18 PNC Bank, National Association Consent Order Deceptive practices related to overdraft protection program Overdraft service
OCC  04/20/18 Wells Fargo Bank, N.A. Consent Order Unfair practices relating to collateral protection insurance and mortgage interest rate lock extension fees Auto loans; Mortgage Loans
OCC  02/08/17 First Tennessee Bank Consent Order Unfair billing practices Credit monitoring
OCC  09/06/16 First Niagra Bank Consent Order Deceptive disclosures Overdraft services
OCC  08/25/16 First National Bank of Omaha Press Release; Consent Order Unfair billing practices  Identify theft protection
OCC 04/13/16 HSBC Bank USA, N.A. Press Release; Consent Order Unfair billing practices Identify theft protection
OCC 08/12/2015 Citizens Bank, N.A. Press Release; Consent Order Deposit reconciliation practices Deposit accounts
OCC 07/21/15 Citibank, N.A. Press Release; Consent Order Unfair billing practices and deceptive marketing  Debt cancellation and credit monitoring
OCC 03/26/15 Santander Bank, N.A. Consent Order Unfair billing practices Identify theft protection
OCC 10/06/14 PNC Bank, N.A. Consent Order Unfair billing practices Identify theft protection
OCC 09/25/14 U.S. Bank, N.A. Consent Order; Press Release Unfair billing practices Identify theft protection
OCC 04/09/14 Bank of America, N.A. Consent Order; Press Release Unfair billing practices Identify theft protection
OCC 12/19/13 American
Express,
F.S.B.
Consent Order Billing
practices;
Marketing
Identity
protection
products
OCC 09/18/13 JPMorgan
Chase
Bank,
N.A. &
Chase
Bank
USA,
N.A.
Consent Order Billing
practices
Identity
protection
products
OCC 04/29/13 RBS
Citizens,
N.A.
Consent Order Failure to
disclose;
customer
agreements
Overdraft
protection
practices
OCC 07/17/12 Capital
One
Bank
(USA),
N.A.
Consent Order for Civil
Money Penalty
Marketing,
sales
and retention
practices;
billing
practices
Debt
cancell-
ation
and credit
and
identity
monitoring
products
OCC 04/24/08 Wachovia
Bank,
N.A.
Consent Order for Civil Money Penalty; FinCEN Assessment of Civil Money Penalty Telemarketing;
third party
payment
processors
Banking
fees
OCC 11/01/05 Home-
owners
Loan
Corp. and
The
Laredo
National
Bank
Agreement Mis-
representations/
failure to
disclose in
advertising
Loans
OCC 05/21/04 First
National
Bank of
Marin,
Las Vegas,
NV,
Stipulation and
Consent to
Issuance of
Consent Order
Marketing;
improper
lending
practices
Credit
cards
OCC 11/04/03 Clear Lake
National
Bank
Consent Order Duplicative
fees;
fees charged
for
services not
performed;
failure to
disclose
Tax
lien
loans
OCC 07/31/03 First
Consumers
National
Bank,
Beaverton,
Oregon
Agreement Failure to
disclose
Credit
cards
OCC 01/17/03 First
National
Bank
of
Brookings
Consent Order Marketing Credit
cards
OCC 06/28/00 Providian
National
Bank
Consent Order Marketing;
Failure
to
disclose
Credit
protection
program