- Who is Optio Solutions LLC?
- Optio Solutions LLC Complaints?
- Optio Solutions LLC Lawsuits
- Optio Solutions LLC Contact
- Optio Solutions LLC Calling?
- How Do I Stop Optio Solutions LLC Debt Collection Harassment?
- How Can I Delete Optio Solutions LLC from My Credit Report?
- How Can I Deal with Optio Solutions LLC?
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Optio Solutions, LLC is a third-party collection agency based in Northern California. Optio has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as illegal communication tactics and misrepresentation. If you have been contacted by Optio,understand your rights before taking action.
According to the Better Business Bureau (BBB), Optio Solutions, LLC was founded and incorporated in 2007. The BBB established its profile page in 2008. Optio is listed as a collection agency that uses the alternate business name, Qualia Collection Services. Buzzfile estimates Optio’s annual revenue at $4.5 million and the size of its staff at 30 people.
According to its website, Optio“was founded on the belief that demand existed for the services of a US debt collection agency willing to take industry standards to a new level of achievement.” Optio considers the most critical factors for success in collections are “compliance and certification, security and technology, brand protection[,] and delivering consistent results.”Optio’s client base consists of financial services, education loan, healthcare, retail, energy and utility, telecommunications, automotive, and insurance companies, as well as commercial collections.
Optio offers first-party collections, third-party collections, brand protection, and consumer surveys. Their first-party collections “are managed with two effective strategies: letter writing and phone calling services.” Optio’s third-party collections also employ letter writing and phone calls. “Third-party collection letters…[and]…third-party collection calls…are subject to controls to ensure that all state and federal regulatory requirements are met.”In conjunction with customer surveys, Optio’s multi-level approach to brand protection stresses compliance with regulatory laws and security and technology services.
Optio cites compliance with the Gramm Leach Bliley Act (GLBA); the Health Insurance Portability and Accountability Act (HIPAA); the Fair Debt Collection Practices Act (FDCPA); the Fair Credit Reporting Act (FCRA); the Telephone Consumer Protection Act (TCPA); the Servicemembers Civil Relief Act (SCRA); and the Red Flags Rule (identity theft protection). However, their interest is not so much in protecting consumers as in ensuring that “[e]ach and every client is protected from the risk of government reprisal or other negative consequences—from debtors delaying payments and filing lawsuits, to other legal action or debilitating damage to the brand.”
The BBB has closed 15 complaints against Optio Solutions in the past three years, with 4 closed in the past twelve months. Complaints are fairly evenly split between problems with billing and collections and problems with advertising and sales. Since May 2015, the Consumer Financial Protection Bureau (CFPB) has received 21 complaints about Optio. Justia lists at least 5 cases of civil litigation naming Optio as a defendant.
Absolutely. Here are some Sample Cases against Optio Solutions LLC.
In March 2017, in United States District Court, Southern District of California, a judge issued an Order regarding an allegation that Optio’s collection practices had violated the TCPA. In this case, the plaintiff had filed a class action complaint alleging negligent and willful violations of the TCPA. According to the plaintiff, Optio representatives had called her mobile phone approximately 120 times in an effort to collect a debt. Furthermore, the plaintiff alleged that Optio had “placed the unsolicited phone calls with the use of an automated telephone dialing system (ATDS) and an artificial or prerecorded voice system, which had the capacity to produce or store numbers randomly or sequentially, and to dial such numbers,” and that they had “left generic, pre-recorded voice messages on Plaintiff’s voicemail, which began mid message.” The plaintiff also indicated that she had never consented to receiving unsolicited calls in the manner described, all of which constituted a violation of the TCPA.
Optio filed for a motion to dismiss the charges for an alleged failure to state a claim on the basis that the plaintiff’s complaint contained a redacted version of her phone number. The plaintiff amended her complaint, and in the March 2017 hearing, Optio attempted to stay the matter by citing a pending decision in federal court that would potentially affect the established legal definition of “ATDS.” Essentially, Optio was attempting to argue that when the decision currently under consideration in federal court was issued, the new definition of ATDS would allow the court to find them not guilty of violations of the TCPA. The court disagreed on several counts, including the fact that the plaintiff’s complaint included not only the nature of the ATDS, but also the fact it used pre-recorded messages. In addition, the lack of certainty with regard to the outcome of the decision, the length of time for the decision to be issued, and the accuracy of Optio’s assessment of the pending decision resulted in a finding denying Optio’s motion to stay.
Optio Solutions, LLC
1444 North McDowell Blvd.
Petaluma, CA 94954
Understanding your Debt Collection Rights
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are federal laws that regulate how collection agencies may conduct themselves.
The FDCPA prohibits actions such as the use of abusive or threatening language; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies report information to credit reporting agencies.Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).
The complaints above illustrate why it is important to understand your rights and responsibilities under these laws when attempting to communicate with collection agencies.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA. Seek legal assistance if you are having difficulty resolving a dispute with a 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 recieving 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, we can help. We will fight for your rights.
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.
What Our Clients are Saying
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