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Coast Professional, Inc. or CPI is a third-party collection agency based in New York state. CPI has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper contact or sharing of information and attempting to collect debts not owed. If you have been contacted by this debt collector , make sure you understand your rights before taking action.
According to the Better Business Bureau (BBB), Coast Professional Inc. is a collection agency. The BBB established a profile page for CPI in 2013. Buzzfile estimates CPI’s annual revenue at $29 million and the size of its headquarters staff at 80 employees, with an estimated 300 employees across all locations.
According to its website, Coast Professional was founded in 1976 and“is a top performing collection agency…founded on treating consumers with respect and professionalism, and partnering with consumers to address their obligations while protecting the relationship they have with our clients.” CPI’s mission “is to preserve the integrity and reputation of the institutions…they serve throughout the collection process.”
CPI specializes in collecting delinquent accounts for “government institutions, colleges, and universities and the Department of Education.” CPI’s education division “collects for over 200 colleges and universities, and the United States Department of Education.” They focus on the following areas of specialization: NSDL and federal Perkins loan programs; GSL and Stafford loan programs; health professions and primary care student loans; institutional loan portfolios; tuition and student receivable accounts; parking fines; auxiliary accounts; and other campus-based debt.
CPI government division collects for over 200 clients and government agencies with the following areas of specialization: all debts owed to federal, state, and local governments; employee overpayments; licensing fees; taxes; unemployment overpayments; and other government-related debt.
Coast Professional collection services include administration of the cohort account collection process, including fields of deferment and forbearance. Their skip tracing division has “an exceptional track record in finding consumers who have been ‘lost’ for many years, and in collecting government debts, student accounts, and loans that might otherwise be written off.”
CPI’s regulatory compliance includes compliance with all higher education acts, rules, regulations, and due diligence protocols; the Fair Debt Collections Practices Act (FDCPA); the Family Educational Rights Privacy Act (FERPA); the Gramm-Leach-Bliley Act (GLBA); the Red Flag Rules (FTC); the Telephone Consumer Protection Act (TCPA); and the Unfair, Deceptive, or Abusive Acts or Practices Act (UDAAP). Their compliance page also indicates compliance with financial and security regulations. Their Resources page provides extensive links to regulatory laws, enforcement agencies, and resources.
The BBB has closed 7 complaints against Coast Professional in the preceding 3 years, with 3 complaints closed in the past 12 months. All of those complaints allege problems with billing and collections.Since December 2016, the Consumer Financial Protection Bureau (CFPB) has closed 57 complaints against CPI. Justia lists at least 8 cases of civil litigation involving Coast Professional Inc.
Coast Professional, Inc.
4273 Volunteer Rd.
Geneseo, NY 14454
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Coast Professional would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases filed in Federal Court
Complaints against Coast Professional commonly cite problems resulting from disputes about complicated accounting and billing procedures. In December 2016, a complainant indicated he had been contacted by CPI regarding a defaulted student loan. He was informed that to “rehabilitate” his loan and pull it out of default status, he “must make 9 monthly payments within a 10-month span.” To determine the amount of the monthly payments, Coast Professional requested the complainant’s financial information. The complainant had discussed the matter with CPI the previous January, so he did not have all the financial information from his employers for the 2015 tax year. He asked whether CPI would accept his 2014 financial information, and they told him that they would. After he submitted financial data from 2014, CPI told him they would accept $5.00 per month qualifying payments to rehabilitate the loan, and confirmed the agreement by sending him a contract, which he signed and returned. After they received the signed contract, CPI called him back and said they needed his 2015 financial data. Once they received the data, they told him he no longer qualified for the terms they had outlined in the contract. After a brief dispute, a supervisor allegedly told him they would accept the $5.00 per month payments, which they began automatically deducting from his account. After making the 9 monthly payments, CPI continued to debit his account in violation of the terms of the contract. The complainant called CPI to discuss the discrepancy and was allegedly “hung up on multiple times and a manager told…him that, based on…his 2015 financial data, the $5.00 payments were not ‘qualifying payments,’” despite language in the contract that specifically stated the $5.00 payments were qualifying payments. The complainant objected to CPI’s conduct from both a legal and pragmatic viewpoint, calling their misadministration breach of contract and questioning why they would deduct 11 months of payments if they had no intention of honoring the terms of the agreement.
In response, Coast Professional claimed that the complainant was “pre-approved for monthly qualifying payments of $10.56, pending Proof of Income (POI) required for approval.” CPI also acknowledged that “the consumer provided his 2014 1040 form and his payments were qualified at $5 per month, and that subsequently, a CPI representative contacted the consumer… and explained due to program requirements…they would not be able to use the 2014 1040.” CPI indicated that during their attempt to explain to the complainant that the contract he signed would not be honored, the “call was disconnected.” Then CPI indicated first that “the payment arrangement was cancelled” at the complainant’s request; that a Coast Professional representative subsequently spoke with the complainant and “advised him that his payments would be $5”; and that upon successful completion, his loan would be rehabilitated and the “credit bureaus…notified to delete the derogatory credit tradeline.” The complainant rejected the attempted resolution.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).
The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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