WASHINGTON—The Federal Trade Commission has temporarily halted three debt collection operations, alleging they threatened and deceived consumers via illegal text messages, e-mails and phone calls.
At the FTC’s request, federal courts in New York and Georgia shut down the companies. The Commission said it is seeking to permanently end the unlawful practices.
“Legitimate debt collectors know the rules,” said Jessica Rich, director of the FTC’s Bureau of Consumer Protection in a release. “They can’t harass or lie to you, whether they send a text, e-mail, or call you.”
According to the FTC, the defendants used text messages, e-mails, and phone calls to falsely threaten to arrest or sue consumers. They also unlawfully contacted friends, family members, and employers, withheld information consumers needed to confirm or dispute debts, and did not identify themselves as debt collectors, as required by law.
The defendants in the law enforcement sweep called “Messaging for Money” are known as Unified Global Group, Premier Debt Acquisitions, and The Primary Group the FTC said.
The FTC’s complaint against Unified Global Group names several companies through which the defendants operated. According to the FTC, the companies at times sent texts to trick consumers into calling them back. The texts included false statements such as, “YOUR PAYMENT DECLINED WITH CARD ****-****-****-5463 . . . CALL 866.256.2117 IMMEDIATELY,” even though consumers had never arranged to make payments to the defendants. The texts failed to identify the senders as debt collectors, the FTC said. The defendants also used deceptive e-mails and robocalls, and unlawfully contacted consumers’ friends, families, and co-workers about the supposed debts.
In its complaint against Premier Debt Acquisitions, the FTC alleged that the defendants impersonated state or law enforcement officials, falsely threatened consumers with a lawsuit or arrest, and even falsely threatened to charge some consumers with criminal fraud, garnish their wages, or seize their property. In texts, they claimed they would sue the consumers and threatened to seize their possessions unless they paid, the FTC said. In voicemails, the defendants also falsely claimed a “uniformed officer” was on the way to the consumers’ home, and asked them to “secure any large animals or firearms” before the “officer” arrived.
Premier Debt Acquisitions also sent deceptive e-mails claiming that making a payment would help a consumer’s credit report, but the defendants had no ability to make good on that claim.
The FTC’s complaint against the Primary Group alleged that the defendants sent consumers a series of text messages, typically not disclosing that the company is a debt collector. The defendants threatened consumers with false statements such as “I’m a process server with Primary Solutions, appointed to serve you papers for case [eight-digit number]. . .” and “Please have proper ID and a witness present who can provide a signature. If there’s no reply I’ll have to bring the document to your employer.”
The Unified Global Group defendants are Unified Global Group LLC; ARM WNY LLC, also doing business as Accredited Receivables Management; Audubon Financial Bureau, also doing business as AFB; Domenico D’Angelo, also known as Dominick D’Angelo; and Anthony Coppola. The Premier Debt Acquisitions defendants are Premier Debt Acquisitions LLC, also d/b/a PDA Group LLC; Prizm Debt Solutions LLC, also d/b/a PDS LLC; Samuel Sole and Associates LLC, also d/b/a SSA Group LLC and Imperial Processing Solutions; Charles Glander; and Jacob E. Kirbis. The Primary Group defendants are The Primary Group Inc., formerly known as A Primary Systems Group Inc., also d/b/a Primary Solutions and PSA Investigations; Gail Daniels; and June Fleming.
The FTC has charged the defendants with violating the FTC Act and the Fair Debt Collection Practices Act.