Capital One Isn’t Debt Collector Under FDCPA

Capital One N.A. was not acting as a debt collector within the meaning of the Fair Debt Collection Practices Act when it attempted to collect a debt it originated, according to an Aug. 15 decision by the U.S. District Court for the Northern District of Alabama (Champion v. Global Credit Card Services LLC, N.D. Ala., 2:12-cv-01966-IPJ, 8/15/12).

Vickie Champion brought suit against Capital One, Global Credit Card Services, LLC and NCO Financial Systems Inc. She alleged violations of the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. §1692 et seq., and multiple state laws as ...