Delta Outsource Group Inc 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.
Who is Delta Outsource Group?
Delta Outsource Group Inc is a third-party collection agency based in Missouri. Consumer complaints against Delta include allegations of inappropriate communication tactics and failure to verify debts, in violation of the Fair Debt Collections Practices Act (FDCPA). If you are concerned about contact efforts from Delta, knowing your rights can help you achieve a better resolution.
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Is Delta Outsource Group a scam?
They’re legit. According to the Better Business Bureau (BBB), Delta Outsource Group, Inc. is a legitimate collection agency founded and incorporated in Missouri in 2009. The BBB opened its file on them in 2010. Listed as a collection agency and call center, Delta includes in its Additional Information section a statement of its dedication to providing services with integrity and professionalism. Buzzfile estimates Delta Outsource Group’s annual revenue at $13.5 million, and its staff size at 99 people at the headquarters location.
Who does Delta Outsource Group collect for?
Delta Outsource Group offers “a diverse selection of call center solutions from first party, early stage collections to third parties, as well as post charge off recovery programs.” Their website does not specify whether they specialize in any area of consumer debt collection. Instead, Delta’s site focuses on its dedication to professionalism, compliance, and the latest technology-based analytics to ensure competitiveness both internally and externally.
Delta’s compliance page indicates its certification as a Professional Practices Management System (PPMS) organization dedicated to industry best practices. Their certification experts measure aspects of performance such as efficiency, data security, and measurement of client satisfaction. They also maintain a Consumer Financial Protection Bureau (CFPB) preparedness document and a compliance matrix.
Their technology team uses a proprietary system that provides web-based client access; data encryption; document imaging; and comprehensive analytics. Internally, Delta uses these tools to create versatile and comprehensive client reports and even controversial voice analytics to analyze customer service interactions in an effort to improve performance.
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 Delta Outsource Group?
The BBB has closed only 8 complaints against Delta Outsource Group in the past three years. In the past twelve months, the BBB has not closed any complaints against Delta. The majority of complaints focus on problems with advertising and sales, although some consumers have complained about billing and collection issues. There are no customer reviews on the BBB’s profile page for Delta Outsource Group. Since July 2015, the Consumer Financial Protection Bureau (CFPB) has logged 5 complaints against Delta alleging problems with communication tactics or attempts to collect debts not owed. Justia lists at least 3 cases of civil litigation naming Delta as a defendant.
In 2018, Delta Outsource Group, Inc. faced a proposed class action filed by a Wisconsin consumer who claimed the defendant sent her a collection letter containing misleading language regarding her debt balance. The plaintiff owed a debt to OneMain Consumer Loan, Inc. that was charged off in February 2017, the lawsuit says, meaning the creditor had not imposed any additional interest, late charges or other charges. The lawsuit alleges that the plaintiff, however, received a collection notice from the defendant that deceptively implied her debt was accumulating interest and fees.
In March 2017, in United States District Court for the Northern District of Illinois, Eastern Division, a judge issued a Memorandum Opinion and Order regarding a complaint against Delta alleging violations of the FDCPA’s provisions against the use of false or misleading information or threats of illegal action to collect a debt. In this case, the plaintiff received a collection letter from Delta regarding a delinquent consumer debt. Delta’s letter stated in part: “As of the date of this letter, our records indicate that you currently owe $814.94. Because of interest, late charges, or other charges that may vary from day to day, the amount due on the day you pay may be greater.” The plaintiff argued that because Delta did not have the authority and did not intend to add interest penalties to the amount owed, the language in Delta’s letter violated the FDCPA’s provisions prohibiting “a debt collector from using false, deceptive, or misleading means to collect a debt,” and “from threatening to take ‘any action that cannot legally be taken or that is not intended to be taken.’” Delta argued that the law’s endorsement of conditional, so-called “safe harbor language”—such as stating that interest may be applied, rather than stating that interest will be applied—should allow Delta to escape liability. The judge in this case indicated that although such safe harbor provisions exist, they did not apply in this case because Delta never had any intention of charging interest. Therefore, the conditional statement that they may charge interest was not true and constitutes a violation of the FDCPA as stated above. As a result, the judge issued a summary judgement in favor of the plaintiff.
Delta Outsource Group Calling You?
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 Delta Outsource 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.
“I would recommend your firm to anyone. You got the debt collectors off my back, and I can finally see the light at the end of the tunnel. Throughout the whole process your staff were professional and courteous. I was blown away by their efficiency as well. Thank you guys so much!”
“I just wanted to take a moment to say thank you! Being in debt is hard enough without being harassed by collection agencies, but thanks to you I no longer have to be a victim. I did not know what to expect when I emailed your company, but from the beginning you guys were on the ball.”
“I would like to thank you and your staff for all the help you’ve provided to me. Honestly, you have a wonderful staff that has dealt professionally and been very empathetic at a time in my life when I hit a speed bump.”
Can You Help Me Delete Delta Outsource Group from My Credit Report?
Chances are good that we can help. Call us today and we’ll explain.
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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.