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Debt Collector CMRE Violates Both TCPA and FDCPA Class Action

Automated debt collection calls may be annoying, but they’re much more annoying when they’re about someone else’s debt. The complaint for this class action alleges that CMRE Financial Services, Inc. places repeated automated calls to consumers, even after being told the calls are reaching the wrong people. The complaint claims CMRE is violating both the Telephone Consumer Protection Act (TCPA) and the Fair Debt Collection Practices Act (FDCPA).

CMRE is a third-party debt collector which specializes in the collection of medical debt. As such, it must obey the provisions of the FDCPA. It must also follow the TCPA when it makes calls to consumer debtors.

The plaintiff in this case, Dina St. George, began receiving calls from CMRE in November 2020. St. George received at least fifteen calls to her cell phone between then and the filing of this complaint in April 2021. The prerecorded messages were asking to speak to someone named “Joaquin.”

St. George is not named Joaquin and she does not know anyone of that name. She has no business relationship or account with CMRE.

Several times, St. George answered the calls, and when she did, she claims, she told the company it had called a wrong number. The complaint alleges, “One or more of [CMRE’s] employees assured [St. George] that she would be removed from their list, but the calls persisted.”

The complaint alleges that CMRE violated the TCPA by placing multiple calls to a consumer cell phone without getting the consumer’s prior express written consent to receive such calls. As to the FDCPA, the complaint claims CMRE violates that law “by engaging in conduct the natural consequence of which is to harass, oppress, or abuse consumers in connection with the collection of debts…”

Two classes have been proposed for this action:

  • The TCPA Class is all persons and entities in the US (1) to whom CMRE placed or caused someone else to place at least one call (2) to a number for a residential or cell phone (3) using an artificial or prerecorded voice, (4) between April 20, 2017 and the date of class certification in this case, (5) where the person called did not have an account or debt with or serviced by CMRE, or where the person had told CMRE that it was calling the wrong person.
  • The FDCPA Class is all persons and entities in the US (1) to whom CMRE placed calls, or caused someone else to place calls, (2) between April 20, 2017 and the date of class certification in this case, (3) in connection with the collection of a consumer debt, (4) after the person or entity told CMRE was calling the wrong person.
Article Type: Lawsuit
Topic: Consumer

Most Recent Case Event

Debt Collector CMRE Violates Both TCPA and FDCPA Complaint

April 20, 2021

Automated debt collection calls may be annoying, but they’re much more annoying when they’re about someone else’s debt. The complaint for this class action alleges that CMRE Financial Services, Inc. places repeated automated calls to consumers, even after being told the calls are reaching the wrong people. The complaint claims CMRE is violating both the Telephone Consumer Protection Act (TCPA) and the Fair Debt Collection Practices Act (FDCPA).

Debt Collector CMRE Violates Both TCPA and FDCPA Complaint

Case Event History

Debt Collector CMRE Violates Both TCPA and FDCPA Complaint

April 20, 2021

Automated debt collection calls may be annoying, but they’re much more annoying when they’re about someone else’s debt. The complaint for this class action alleges that CMRE Financial Services, Inc. places repeated automated calls to consumers, even after being told the calls are reaching the wrong people. The complaint claims CMRE is violating both the Telephone Consumer Protection Act (TCPA) and the Fair Debt Collection Practices Act (FDCPA).

Debt Collector CMRE Violates Both TCPA and FDCPA Complaint
Tags: Harassing or Repeated Telephone Calls, TCPA, Unlawful Debt Collection, Unsolicited Cell Phone Calls, Use of artificial or pre-recorded voice, Wrong number calls