It happens far too often. Many businesses, employers, medical facilities, banks and mortgage lenders take advantage of consumers all the time. Most victims of fraud do not even know their rights have been violated. What you don’t know about consumer rights violations in can come back to haunt you later. Your credit rating could be damaged by unauthorized use of your credit report. You may have been sold a bad product or service. A mortgage lender is charging you too much for a subprime loan. Now more than ever, it is important for people to educate themselves on the most common types of consumer rights violations. If you are the victim of fraud or unethical business practices, the Arizona, California, D.C., Indiana, Maryland, Ohio, Utah and Wisconsin consumer rights protection attorneys who are part of the Law Zebra Network* can help. We also have affiliates in many other states.
Common Types of Consumer Rights Violations
Who can you trust? It is often a question asked by victims of fraud. While most businesses comply with the law, even the most savvy consumer can have their consumer rights violated. It is important to look for warning signs and to identify the most common types of consumer rights violations.
- Debt Collection: Many debt collection agencies are guilty of misrepresentation. They may ask for a balance the consumer does not owe or is far greater than the correct amount. Debt collection agencies must send out monthly statements if they are collecting interest.
- Mortgage Lenders: Homebuyers often get stuck in predatory loans, including subprime loans, that can drain their finances by paying higher interest and fees. Some realtors and mortgage companies also fail to disclose prior issues with the house, including mold damage or termite infestation infestation or other problems that impact the value of the property or it’s livability.
- Banks: In recent years, several banks have come under scrutiny for establishing fake accounts to meet sales quotas.
- Car Dealerships: Among the most common violations include bait and switch tactics, where the consumer purchases a vehicle that different than advertised. They may end up with a car that was a prior rental or had salvage title without being notified.
- Retailers: Misrepresentation is rampant in the retail industries. For example, some outlet stores promise discounts on prices that never existed. Instead of getting a discount, the consumer ends up paying an inflated price.
- Telemarketers & Collection Agencies: Any calls or texts to your cell phone without permission by a telemarketer or collection agency is a violation of the Telephone Consumer Protection Act (TCPA) and is subject to fines ranging from $500 to $1,500.
- Employers: Employers are prohibited from pulling a job applicant’s credit report without their permission. Background checks must comply with the Fair Credit Reporting Act (FCRA).
Misrepresentation and deceptive business practices can happen anywhere, whether it is from a cable TV provider , health club, religious organization, multi-level marketing scheme, or a retail store.
Protect Yourself From Consumer Rights Violations
The attorneys at who are part of the Law Zebra Network* understand the emotional impact felt by victims of fraud and unethical business practices. Our Arizona, California, D.C., Indiana, Maryland, Ohio, Utah and Wisconsin consumer rights protection attorneys are committed to protecting your rights and looking out for your best interest. Our objective is to help resolve your disputes and to help recover the damages you deserve. To learn more, schedule a consultation with a consumer rights protection attorney in your area.