Eastpoint Recovery Group, Inc

2017-12-28

Sacramento, CA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: East Point Recovery group has continued to call my employer, family members and landlord after I 've already provided them with my cell phone number and told them that I am working with a debt consolidation company. I even gave them my account number and phone number to that company handing my debt.
Company Response: Closed with explanation

Timely Response

2017-12-19

Colonial Heights, VA

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2017-12-04

WI

Communication tactics

Debt collection: Payday loan debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-10-31

VA

False statements or representation

Debt collection: Payday loan debt

Indicated you were committing crime by not paying debt
Complaint: Eastpoint Recovery Group , Inc. XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX Left messages on a shared mailbox ( with a default greeting, not indicating the mailbox ) stating they needed to touch base with me regarding my breach of contract with XXXX XXXX, which is n't even a valid contract to begin with. As a result, this message was heard by my children and my babysitter. Under Virginia law, no loan is valid if more than 12 % APR interest is charged unless it meets a specific statutory exception to the 12 % cap. Licensed Virginia consumer finance companies may charge more than 12 % interest but NO internet lenders are licensed as a consumer finance company in Virginia. Internet installment loans dont meet any of the exceptions in the statutes so they are null and void if they charge more than 12 % APR. If a lender who is not exempt from the Consumer Finance Act and has not obtained a Consumer Finance license makes a loan for more than 12 % APR, the loan is null and void and the lender is not entitled to collect any principal, interest or charge whatsoever on the loan.
Company Response: Closed with explanation

Untimely Response

2017-09-28

TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: I started receiving calls from East Point Group in XXXX, NY on XXXX/2017. They claim that I owe money on a credit card that was already settled with the company that issued the card. When I did not agree with their claim that I owed on the card, they called my old roommate and my husband and told them that I had 19 outstanding delinquencies, that I was a liar, and specifically told them that I owed money on a credit union issued credit card. This company called my old roommate, my husband, and myself several times yesterday and again this morning. This company is harassing me and my family in addition to lying about debts I owe. I have attached the receipts showing I paid off this debt to this complaint.
Company Response: Closed with explanation

Timely Response

2017-09-28

Oxford, GA

Communication tactics

Debt collection: Credit card debt

Used obscene, profane, or other abusive language
Complaint: I had a XXXX XXXX Credit card and it was through XXXX I tried to make payment arrangements but I got sick and was out of work for over a year I would pay $XXXX a month then finally they closed my account after they knew what was going on. Well I had been getting a call from this number XXXX on my number and my finance number. I finally checked my voicemails and they have left some very disrespectful voicemails on both of our phones and my fiance is not even on the account and its very threatening and I know that's against to law to leave personal information on a cell phone saying what they are calling about. Thats against the tcpa and I will not be speaking with them after the voicemails were very disrespectful and we have them saved. The debt collection company is XXXX XXXX and it's a lady on the voicemail saying I don't know why you are not calling us back I guess you do not care and that I"m in breach of contract, now I'm not a lawyer but I do know consumer laws and they should have not left that on my voicemail or my fiance phone at all. The lady name is XXXX
Company Response: Closed with explanation

Timely Response

2017-09-27

Rncho Domingz, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: On Monday, XXXX XXXX, XXXX, XXXX XXXX with Eastpoint Group contacted and left a voicemail message for someone living in my house who is not related to me or in anyway connected to my financial data. This person shared the voicemail with me, and it sounded like a scam call attempting to collect information about me. Tuesday, XXXX XXXX, XXXX, XXXX XXXX from Eastpoint Group left a message on my home phone. I retrieved the message on Wednesday, XXXX XXXX, XXXX, and called her back. She explained that she was calling to collect a debt and had sent a letter regarding this debt. I told her that I did not receive a letter and offered to call and settle the debt with the company directly. She told me that the debt had been sold to her client, XXXX, and that XXXX would begin to take legal action against me the next day, Thursday, XXXX XXXX, XXXX, if I did not pay the debt in full on Wednesday, XXXX XXXX XXXX. She said that they would take me " to court '' and sue me for the amount, I would have to " pay legal and court fees '', my " credit would be ruined '', that they would " seize property and place a lien on [ my ] car '', and that she did n't understand why I had n't paid this debt because I " have credit cards, good credit, and can pay '' the amount. She continued with a list of actions they would take against me. Prior to placing the call, I searched for information about Eastpoint Group because both calls sounded suspicious. I found that Eastpoint was a collection agency and that they had several complaints filed against them. After she concluded listing all the actions they would take against me if I did not pay the balance in full on Wednesday, XXXX XXXX, I offered to pay a portion of the amount due with the idea of setting up an automatic payment plan. She refused and repeated the actions she had previously listed. I explained that her actions were over-reaching by contacting someone not affiliated with me, and by threatening me with taking me to court. I requested contact information for her client, XXXX, which she declined to provide. I requested that she remove the other person 's contact information ( to which she originally denied having contacted, then followed up by giving this person 's name, saying that the person lived in my home so she had the right to contact this person ) from my financial information. Although I spoke calmly throughout the call, she was very combative and threatening. After she had concluded again with list of actions they would take, I responded by telling her that I knew Eastpoint Group had been reported multiple times for contacting the consumer improperly, disclosing debt to third parties, threatening legal action / lawsuit / consumer arrested / jailed, and noting states where their actions were particularly egregious. She denied every instance and said that these complaints were submitted by " people who do n't want to pay their debt ''. It appears that they may not have had my correct address, which would explain why I did n't receive the letter. She forwarded my call to another representative to verify my information, and the address they had on file contained two additional numbers making the address incorrect. I paid the full amount because I 'm starting a new, small business and I can not afford to go to court, nor do I want my name dragged into the courts or anything disparaging said in conjunction with my name or business. Yes, I made a mistake and forgot about a debt. I 'm responsible for that and willing to rectify it. The issue remains that contacting people not connected to me and threatening me while I 'm calmly trying to work towards a solution is unacceptable.
Company Response: Closed with explanation

Timely Response

2017-08-15

Tucson, AZ

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: The company called Eastpointe group on behalf of XXXX contacted me several times over the course of the last month. I advised them that I do not have any contracts with the company and do not wish to receive further communication on my cell phone. They have continues to call and have begun contacting my place of employment, phishing for information about me. Today, XX/XX/XXXX, they contacted my work at XXXX XXXX and advised my front desk that they are seeking to collect a debt and need information about me. I contacted them and asked them to cease contacting me on my cell and at work, and the representative stated that if i do n't give them {$300.00}, they will start taking money from my account.
Company Response: Closed with explanation

Timely Response

2017-05-23

Coon Rapids, MN

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-04-18

Stamford, CT

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Complaint: I had spoken to a young woman a Eastpoint Group regarding my debt and explained that I do n't have the money right now. I further explained that once my tax return comes I will p ay off the debt. They continued to contact me and then began to contact my employer.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-25

College Park, SC

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-10-18

Effingham, KS

Improper contact or sharing of info

Debt collection: Other (i.e. phone, health club, etc.)

Talked to a third party about my debt
Complaint: Eastpoint Recovery Group , Inc. has continued to call and harass my parents about a debt from me. They have made threats to my parents, cursed at them, and given all my debt information. They call their house several times a day after they have been asked not to call again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-04-21

San Diego, CA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: Even after I had verbally stated for this company to stop calling me, they continued to harass me. They have threatened to take legal action on more than XXXX occasions and have been pushy about me giving them a post dated check for the full amount of the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-15

Jacksonville, FL

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Impersonated an attorney or official
Complaint: Last summer I was contacted by a man who said he was Attorney XXXX XXXX working to collect a debt I owed for bed purchased I made at XXXX XXXX. He said he represented Eastpoint Group and was in XXXX, NY. He was very polite, as was I, and I explained that my loan agreement gave me 5 years to pay off the debt and if I did not within XXXX, would begin to accrue interest. He told me a lot of people make those mistakes and I was supposed to make payments during the 5 years anyway. I began allowing him to take {$100.00} from my account every payday ( and they collected {$500.00} ). I asked XXXX XXXX to send me some forms in the mail so I coulod verify the account and show the total debt and the payoff. I did not receive any paperwork, and due to a medical injury, lost my secondary employment. I called XXXX XXXX ( XXXX ) and explained my situation and again asked him to mail paperwork to me. My intention was to pay off the debt as soon asd i received my IRS refund, and he was agreeable to that. Then another person from Eastpoint began calling my mother 's house downstate ( I never gave her number and she is almost XXXX years old ). That person said his name was XXXX XXXX with Eastpoint Group ( XXXX ) ; he has called and left messages several times stating that he would have to take more serious action if he could not get in touch with me ( which scared my mother ). She does n't answer and lets home phone calls go to voicemail. Last evening, my husband got a call on his cellphone from XXXX and a female asked him for me. I answered on his cell phone and the female immediately began harassing me about a debt. When I found out she was with Eastpoint, I told her I was already working with Attorney XXXX XXXX with her company and he was aware of my situation and I was waiting on my IRS return to pay in full. I then told her I was still waiting on paperwork and had received nothing by USPS yet. I told her I would not speak with anyone else until I received something verifying who they were and what I owed, who was the original debtor and what was left to pay off. She refused to agree to sending me any validation paperwork and became extremely rude and actually screamed at me in a shrill voice, " I do n't think you are going to pay this off! '' At that point I just hung up. I then called XXXX XXXX and asked him to return my call today due to another person calling with harassing and disturbing behavior. He has not called back. I did online research and have read about fraudulent collectors, and also found out that XXXX XXXX is not an attorney as he told me he was. This evening, I called back the number the woman called from last night and it went to voicemail where the message identified the woman as XXXX XXXX or XXXX - I could not clearly hear the last name. I am very concerned that this company already has {$500.00} from me, they have never sent a validation notice or any actual paperwork at all, and I see numerous complaints about the company. I want to pay off my debt but do n't know whether this is a true collection or fraud, due to the lies told and the tactics used by several of their employees.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-05

Hinsdale, IL

Taking/threatening an illegal action

Debt collection: I do not know

Threatened to sue on too old debt
Complaint: I 've received numerous calls from this company called East PointGroup out of XXXX New York threatening me that if do n't call them back they will file a lawsuit against me and take me to court. Now they are calling my parents home number ( I do n't live there ) and also are calling my ex wife threatening them as well with legal action. Their number that shows on the caller id is XXXX I do n't owe any debt to anyone I just checked my credit report today and nothing shows up listed as East Point Group. I would like them to stop calling and harassing me.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-09-18

Brenham, TX

Communication tactics

Debt collection: I do not know

Threatened to take legal action
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-01

Saint Paul, MN

Improper contact or sharing of info

Debt collection: Payday loan

Talked to a third party about my debt
Complaint: XXXX was the original debtor, received a call from some guy named XXXX XXXX from Eastpoint recovery claiming that before my case goes into court they were trying to avoid court preceedings etc ... He has called my family members and disclosed my debt to them. I was scared into paying a down payment to keep my account out of court. They first took XXXX then XXXX within a month time. I requested a verification of my payment plan but never received it. they then try to take more than the amount agreed on the next payment. I still have not received any written verification of the debt or this company.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-27

Arco, CA

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: Due to family hardships I was unable to keep up with the payments.I called XXXX XX/XX/XXXX to inform them of my situation and ask for assistance I was told I need to pay the full amount. The loan was then send to debt collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY spoke to XXXX XXXX XXXX, XXXX XXXX XXXX who said They knew where I lived and all my information, and would go after everything I had and that I better pay by XXXX XX/XX/XXXX because they were sueing me and a lawyer would come to where I was. They would take my Home and retire, ent income. References were called and given personal information and were informed that it was an emergency because I was in trouble. The resolution was they gave me after saying they would help me was :1. Borrow money to pay2. Get cosigner 3. Take my retirement money 4. No pay, nets accepted if I did not give the {$6000.00}. 5. Judge would take everything including their attorney cost and interest.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-08

Dallas, TX

Taking/threatening an illegal action

Debt collection: Credit card

Threatened arrest/jail if do not pay
Complaint: On XXXX XXXX XXXX for Eastpoint Recovery called me and told me that file # XXXX that was forwarded to my office, this is not a solicitation, this is regarding a very urgent matter that was forwarded to my office .... Your file has been red flagged as a direct refusal to resolve ... .I will grant you a final opportunity to get in contact with this office ... ... .I will be making my final recommendation that we do move forward on the file ... ..unfortunately this will be assigned for further action ... ... at XXXX tomorrow I go to a meeting to assign your file from further action, and I am trying to prevent that from happening. Then on XXXX Eastpoint Recovery called me again, saying .... My name is XXXX XXXX, XXXX as in Sheriff ... .. We have a problem here, do you have a son? ... .. We have a problem sir ... ..This is regarding XXXX Bank XXXX XXXX XXXX XXXX I guess you bought some stuff online .... You were paying on it from three years. Eastpoint and their debt collection representatives harassed me and pretended to be a government official. Clear violations of the FDCPA and the Texas Finance Code.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-07-06

Burbank, CA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-02

Hollywood, FL

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-23

Manchester, NH

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Threatened to take legal action
Complaint: Representative from this agency called my mother threatened to take legal action against me if I didn't call to make arrangements to pay off debt when I kept explaining I was out of work at that moment. I explained I'll be more than happy to make payment plan but I needed time to find a job. The representative kept pushing and tried to involve my family to help me pay off this debt. I finally agreed to a payment plan and she kept threatening to take legal action for a payment I wasn't able to make on time and repeating office getting fee for returned payment. I made them aware of my financial situation but they insisted on having me enroll in a payment plan when I was out-of-work. I'm very disgusted by their intimidation tactics. I'm not refusing to pay. I'm doing my best to catch up with my financial situation.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-17

Campbell, CA

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-16

South Florida, FL

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Threatened to take legal action
Complaint: Repeatedly called and called my husband and disclosed my debt to him as well as threatened me with legal action. Claimed they sent me notice in mail did not receive so sent me email instead. I wanted written verification and said they could not do that.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-12

Okc, OK

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response