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Enforcement actions

When we take an enforcement action against an entity or person we believe has violated the law, we will post court documents and other related materials here.

The Bureau may enforce the law by filing an action in federal district court or by initiating an administrative adjudication proceeding. Administrative proceedings are conducted by an Administrative Law Judge, who holds hearings and issues a recommended decision. Proceedings are conducted in accordance with the Rules of Practice for Adjudication Proceedings .

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GST Factoring, Inc., et al.

On July 13, 2020, the Bureau filed a complaint in the federal district court for the Central District of California against GST Factoring, Inc., which runs a student-loan debt-relief business in Texas, and two of its owners, Rick Graff and Gregory Trimarche, as well as Champion Marketing Solutions, LLC, a customer service and marketing company, and its owner, Scott Freda. The Bureau also filed suit against four attorneys, California attorneys Amanda Johanson and Jacob Slaughter, Arizona attorney David Mize, and Florida attorney Daniel Ruggiero.

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Timemark, Inc., Timothy Lenihan, Sr., Mark Nagler, and Casey Gassaway

On July 7, 2020, the Consumer Financial Protection Bureau settled with Timemark, Inc., a company based in Deerfield Beach, Florida, that provides debt-relief services to consumers with federal student-loan debt, and with its owners and officers, Timothy Lenihan, Sr., Mark Nagler, and Casey Gassaway.

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My Loan Doctor LLC and Edgar Radjabli

On July 6, 2020, the Consumer Financial Protection Bureau filed a lawsuit against My Loan Doctor LLC, a Delaware financial-company operating in West Palm Beach, Florida and New York City and doing business as Loan Doctor (Loan Doctor), and its founder, Edgar Radjabli.

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Cottonwood Financial, Ltd., d/b/a Cash Store

On April 1, 2020, the Consumer Financial Protection Bureau issued a consent order against Cottonwood Financial, Ltd., which does business under the name Cash Store.

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Capital One Bank

This action results from a CFPB examination that identified deceptive marketing tactics used by Capital One’s vendors to pressure or mislead consumers into paying for “add-on products” such as payment protection and credit monitoring when they activated their credit cards.

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Discover Bank

This action results from an investigation started by the FDIC which the CFPB joined in 2011.

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American Express Centurion Bank

This action is the result of a multi-part federal investigation which found that at every stage of the consumer experience, from marketing to enrollment to payment to debt collection, American Express violated consumer protection laws.

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American Express Bank, FSB

This action is the result of a multi-part federal investigation which found that at every stage of the consumer experience, from marketing to enrollment to payment to debt collection, American Express violated consumer protection laws.

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American Express Centurion Bank

The CFPB ordered American Express to refund an estimated $59.5 million to more than 335,000 consumers for illegal credit card practices. 

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Bank of America, N.A. and FIA Card Services, N.A.

CFPB has ordered Bank of America, N.A. and FIA Card Services, N.A. to provide an estimated $727 million in relief to consumers harmed by practices related to credit card add-on products. 

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Synchrony Bank, f/k/a GE Capital Retail Bank

The Bureau ordered GE Capital Retail Bank, now known as Synchrony Bank, to provide an estimated $225 million in relief to consumers harmed by illegal and discriminatory credit card practices.

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Intersections, Inc.

CFPB took action against two credit card add-on product vendors – Affinion Group Holdings, Inc., Affinion’s affiliated companies, and Intersections Inc. – for unfairly charging consumers for credit card add-on benefits they did not receive.

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