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Case Study: Bundy et al. v. Revco Solutions, Inc.

Background

On May 29th, 2024, Jimmy Bundy and Michelle Bundy (the “plaintiffs”) filed a lawsuit against Revco Solutions, Inc. (“Revco”), which is a debt collection company. This case was heard in the United States District Court for the Southern District of Ohio, Western Division at Cincinnati and involves alleged violations under the Fair Debt Collection Practices Act (FDCPA) and Ohio Consumer Sales Practice Act (OCSPA).

Key Allegations

Mr. Bundy received medical services from multiple providers but was unable to pay his medical bills as they came due; therefore, Revco Solutions Inc began collecting debts on several accounts owed by Mr. Bundy.

Lawsuit Alleges (nothing has been proven at time of publishing):

Improper Fee Collection: The lawsuit claims that Mr. Bundy agreed to settle two accounts with Revco by making monthly payments totaling. While he was making these payments however; it is alleged that Revco tried unilaterally amending the agreement by adding unauthorized processing fees for credit card payments they knew were improper.

Misleading Account Statements: According to this suit; it states that among misapplied funds & applying money on non-settling original accounts ᅳ including ones originated post-settlement without Jimmy’s knowledge thus showing higher debt balance than agreed thereby causing confusion, anxiety, distress, extension of payment period and amount in purported settlement.

Harassment of Ms. Bundy: It also accuses them of unlawfully contacting Mrs. Bundy [Jimmy’s daughter] thrice within one minute, which is described in this complaint as harassment. Debt collectors like Revco are legally limited when communicating with third parties; however, Revco crossed over those lines according to what this action alleges.

Legal Violations

The suit many counts alleging violation such as:

FDCPA Violations:

  • Communication with third parties without consent (15 U.S.C. § 1692c(b)).
  • Engaging in conduct that harasses, oppresses, or abuses any person (15 U.S.C. § 1692d).
  • Using false, deceptive, or misleading representations (15 U.S.C. § 1692e).
  • Employing unfair or unconscionable means to collect a debt (15 U.S.C. § 1692f).
  • Failing to send the required validation notice within five days of initial communication (15 U.S.C. § 1692g).

OCSPA Violations:

  • Engaging in unfair, deceptive and unconscionable acts in violation of Ohio Rev. Code § 1345.02.

Outcome Desired

The plaintiffs are seeking various forms of relief including:

  • Actual damages and statutory damages under FDCPA.
  • Treble damages, punitive damages, attorney’s fees under OCSPA.
  • Such further legal and equitable relief as may be deemed appropriate by this court.

Conclusion

If the claims in the lawsuit are true, Bundy et al. v. Revco Solutions, Inc. is a stark example of why it’s important for debt collectors to follow the law as stated by FDCPA and OCSPA. According to the plaintiffs’ allegations, many serious offenses were committed such as charging fees without authority, harassing behavior and deceptive practices surrounding collecting debts. This case should serve as a wake-up call to all companies involved in debt collection that they need keep their actions transparently fair within legal bounds if not only to avoid getting sued but also maintain customer rights protection.

It is recommended that those who find themselves in such situations seek advice from lawyers specializing in FDCPA violations since they have knowledge about this particular area hence will be able provide necessary assistance required during these confusing times when one does not know where turn or what do next concerning matters related with bill collections and consumer advocacy laws protecting citizens against unscrupulous lenders tactics. 

Currently representing clients against Revco Solutions, Inc., Hyslip Legal, LLC has initiated investigations into this matter alongside another lawsuit filed within Ohio state jurisdiction on behalf of its residents affected by Revco’s alleged conduct of unfair practice towards them while trying recover monies owed through various accounts owned by different people across America served under Revco Solutions.

A lot of individuals complain each day to Hyslip Legal, LLC about actions taken by collection agencies like Revco. These agencies seem more interested in violating consumers’ rights than helping settle accounts. This makes life unbearable financially, especially when one least expects it. It happens due to a failure to keep promises made earlier or simply choosing to ignore obligations altogether. This leads into a vicious cycle of poverty. The poverty trap is caused mainly by ignorance among many Americans regarding their legal rights. These rights are currently being abused on a daily basis through illegal Creditors Harassment activities executed unlawfully upon helpless victims.

If you’ve been contacted by Revco Solutions, LLC and believe they’ve stepped over the line – contact Hyslip Legal, LLC today.

Attached Documents

For more detailed information, you can view the original documents filed in this case: