Complete Payment Recovery Services Inc or CPRS is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
Complete Payment Recovery Services, Inc or CPRS is a third-party collection agency based in Florida. CPRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and attempting to collect debts not owed. If you have been contacted by Complete Payment Recovery Services , make sure you understand your rights before taking action.
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Is Complete Payment Recovery Services a scam?
They’re legit. According to the Better Business Bureau (BBB), Fidelity National Information Services , Inc. was founded and incorporated in 2001. The BBB established a profile page for Complete Payment Recovery Services in 2011. CPRS is listed as a collection agency. Buzzfile estimates CPRS’s annual revenue at $132,000 and the size of its headquarters staff at 2 employees.
The website for Complete Payment Recovery Services consists of only one page and does not provide much information about the company, its business practices, or its client base. The website states that CPRS “is an industry leading provider of collection services for businesses nationwide… and that its purpose is to sustain a high level of customer satisfaction through innovative collection solutions that assist consumers in managing their outstanding payments.”
The Complete Payment Recovery Services website is essentially a payment portal. Site visitors are informed that the website belongs to a debt collector. In addition, they are welcomed to the CPRS “electronic payments page, where, in just a few easy steps, … site visitors will be able to complete a payment anytime, anywhere.” CPRS assures site visitors that all transactions “will be secured to the highest standards of the payment industry.” Finally, data entry window appears below the statement, “To make your payment, simply enter your claim or control number that is located on your CPRS letter and click Pay Now.”
The CPRS website (www.paymentpost.com:444/pp/intro.html) is registered to Fidelity National Information Services (FNIS), whose website is located at www.fisglobal.com. According to its website, FNIS is “a leading global provider of technology for the financial services industry.” FNIS provides a wide range of business services, including banking and wealth management; institutional and wholesale management; payment processing services; and corporate solutions, including credit and collections.
Neither site offers information about its regulatory compliance policies; or any links or references to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Complete Payment Recovery Services – CPRS?
The BBB has closed 71 complaints against Complete Payment Recovery Services in the preceding 3 years, with 9 complaints closed in the past 12 months. Most of those complaints allege problems with billing and collections. Since December 2015, the Consumer Financial Protection Bureau (CFPB) has closed 7 complaints against CPRS/FNIS, all of them alleging problems with debt collection. Justia lists at least 6 cases of civil litigation involving CPRS.
Complete Payment Recovery Services , Inc. 11601 Roosevelt Boulevard, Ste. TA-09 St. Petersburg, FL 33716 Telephone:(866) 626-6632
Can Complete Payment Recovery Services Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely CPRS 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!
In December 2014, in United States District Court for the Northern District of Illinois, Eastern Division, a judge issued a Memorandum Opinion and Order in a case alleging Complete Payment Recovery Services had violated the Telephone Consumers Protection Act (TCPA). In this case, the plaintiff in March 2011 had written two checks to a retail provider, and both of the checks eventually bounced. After failing to recover the funds, the retailer hired CPRS to collect the money owed. Complete Payment Recovery Services placed several calls to the plaintiff in their debt collection efforts. The plaintiff alleges that the calls were made by an Automated Telephone Dialing System (ATDS). In addition, the automated calls were placed to a mobile telephone number that the plaintiff had never expressly given CPRS permission to call. Because the TCPA prohibits debt collectors from making automated calls to mobile numbers unless consumers first give them permission, the plaintiff charged CPRS with a TCPA violation.
During the December 2014 hearing, Complete Payment Recovery Services had presented the court with a motion for summary judgement, in which they argued that the charges should be dismissed. CPRS claimed that the calls in question were made by humans, not machines, so the plaintiff had no basis to file the complaint. The plaintiff argued that “CPRS used an ATDS to make the calls, a conclusion he inferred from the fact that he heard a clicking sound followed by a prerecorded voice asking him to ‘remain on the line’ when he answered the calls in question.” The judge indicated that to prove a violation of the TCPA, the plaintiff had to show that “(1) a call was made; (2) the caller used an automatic dialing system or an artificial or prerecorded voice; (3) the number called was assigned to a cellular service; and (4) that the caller did not have prior express consent.” Furthermore, the TCPA defines an ATDS as any device, “including predictive dialers, that have the ‘capacity to dial numbers without human intervention.’” CPRS submitted an affidavit signed by the president of Complete Payment Recovery Services that stated she “was familiar with the records of the company and that such records included documentation of each phone call placed to … the plaintiff, …what technology was used for each call, and… that a human made each of the calls that CPRS placed” to the plaintiff. The plaintiff also submitted an affidavit that stated that he knew “the calls were not made manually because he heard a non-human, recorded voice when he answered the phone.”
The law requires that the court initially accept a plaintiff’s charges at face value, so Complete Payment Recovery Services motion for summary judgment was denied. However, the court also noted that there was a material dispute about the facts of the case. Although the court did not find in favor of CPRS, the case was set for trial, so a jury could determine whether the plaintiff’s allegations were true.
Federal laws protect you. The Fair Debt Collections Practices Act (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).
Can I sue CPRS for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you 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.
“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”
“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”
”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
Can You Help Me Delete Complete Payment Recovery Services CPRS from My Credit Report?
We can absolutely help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.
This company sent me a collections letter for a check I never wrote for $500!! How can this company do this? I don’t write checks nor do I own checks. This is fraud on their part!!!
this company went in to my personal bank account and tried to take money from me..
It was not alot, but it made me negative..
I had to close my account.