Mintex, Inc. is a third-party collection agency based in Illinois. Mintex has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as failing to provide written verification of debts and disclosing information about debts with unauthorized third parties. If Mintex has contacted you about delinquent financial obligations, make sure you know your rights before taking action.
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Is Mintex a scam?
They’re legit. According to the Better Business Bureau (BBB), Mintex was founded and incorporated in 2004. The BBB established a profile page for Mintex in 2007. The BBB lists Mintex as a collection agency. Buzzfile estimates Mintex’s annual revenue at $1.7 million and the size of its headquarters staff at 14 employees.
According to its website, Mintex is “a fully licensed and authorized agency that provides timely, accurate, and complete recovery of a wide range of public and private debt.” Mintex provides “collection recovery and related support services” using “a secure and confidential process.”
Who does Mintex collect for?
Mintex accepts delinquent accounts from a wide variety of businesses and industries, including federal, state, and local government debt; public utility service providers on behalf of municipal government agencies; healthcare service providers; education lenders; financial services companies, including banks and credit card lenders; other types of consumer debt; and commercial business-to-business debt. Mintex also specializes in collecting delinquencies for toll authorities; Departments of Revenue, Administrative Hearings, and Parks and Recreation; and parking and red-light violations.
Mintex utilizes “automated assisted skip tracing,” as well as automated telephonic and “network architecture and computer-controlled systems” in its collection efforts. They “work closely with city and state work programs…and provide a direct call-in number for consumers.” Mintex states that they “have accumulated prestigious certifications and recognized associations at the forefront of the collection industry.”
Mintex employs an on-site regulatory compliance manager. They protect data using “complete disaster recovery resources and established ITY support services.” Mintex states that they “understand and …apply the laws and regulations governing collections… nationally.” However, their website does not provide 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 Mintex Inc?
As of October 2019, the BBB closed 1 complaint against Mintex Inc in the preceding three years, in December 2018. That complaint alleged problems with billing and collections. As of August 2016, the Consumer Financial Protection Bureau (CFPB) has closed 4 complaints involving Mintex. Justia does not list any cases of civil litigation involving Mintex.
Mintex, Inc. 700 N. Sacramento Blvd., Suite 221 Chicago, IL 60612-1026 Telephone: (630) 369-6626
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Mintex 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!
Complaints against Mintex Inc cite problems resulting from frequent phone calls; disclosure of debt information to unauthorized third parties; disputes about the accuracy of billing and accounting procedures; and allegations of rude and abusive telephone staff, usually in relation to efforts to collect traffic fines. In December 2018, a complainant stated that he had been contacted by telephone early in the morning by a Mintex representative. According to the complainant, he had not been at home at the time of the call. The person who answered the phone told him that when she took the call, the Mintex representative did not verify that she was speaking to someone authorized to discuss the debt and disclosed all the complainant’s debt information in violation of the FDCPA. The complainant also stated that the Mintex representative “proceeded to hang up on the individual when” she stated that she had not verified the call recipient’s identity. The call recipient allegedly called back and spoke to another representative. She told him what had happened and that the call had been recorded. The Mintex representative said he would forward the information to the administration. The complainant stated that the phone call represented a serious FDCPA violation and that he intended to pursue additional remedies. In response, Mintex stated that they dd not have a record of speaking with the individual who filed the complaint.
In December 2016, a complainant stated that Mintex Inc had called his mobile phone “on a recorded line… and confirmed that they are a debt collector attempting to reach” the party they had identified as responsible for the debt. However, the complainant was not that individual and did not have anything to do with the det or the person Mintex was trying to reach. The complainant appealed to the CFPB for help in pursuing any legal remedies that may be available for the violation of the TCPA and any other applicable laws.
Mintex Inc 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 Mintex 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.
“When I first contacted Lemberg Law, I was at my wits end, not knowing what to do or how to protect myself against the collection agencies. I felt like I was sinking. After sending in my case evaluation, Lemberg Law quickly threw me a lifeline and turned the tide.”
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“Thanks to the staff at Lemberg Law, I have peace of mind again. They worked quickly to find the harassing calls ended and were super considerate when I spoke together. I love the hard work!”
“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”
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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.