Consumer Files Complaint Against PayPal and TrueAccord Over Wrongful Debt Collection Practices

A Florida man has accused PayPal and TrueAccord of illegally attempting to collect money from him via “incessantly” robocalling, emailing, and text messaging. Tuesday’s complaint seeks relief from numerous violations of the Fair Debt Collection Practices Act (FDCPA), the Florida Consumer Collection Practices Act (FCCPA), and as to TrueAccord Corp, a debt collector, the Telephone Consumer Protection Act (TCPA).

According to the Southern District of Florida filing, the plaintiff bought shoes from retailer Finish Line and authorized PayPal to make a payment on his behalf which he promised to repay in four installments of $19.26. PayPal then reportedly debited the first two payments from the plaintiff’s account.

The following day, Finish Line allegedly informed the plaintiff that the shoes he ordered were out of stock and cancelled the transaction. PayPal credited the two payments made back to the plaintiff several weeks later. Notwithstanding the cancellation, PayPal repeatedly attempted to collect the two remaining payments under the plan, plus late fees, the complaint says.

Since then, PayPal has allegedly sent at least seven emails and a dozen text messages to the plaintiff attempting to collect the debt, despite the plaintiff’s attempts to explain the situation to the payment processor. Similarly, the plaintiff contends, TrueAccord placed at least eight calls to his cell phone using an automated telephone dialling system.

The complaint argues that these attempts were wrongful, and were instead, as to TrueAccord, intended to annoy and harass him. The filing sets forth numerous FDCPA and FCCPA violations. With regard to the TCPA causes of action, the complainant seeks $500 for each violation, and $1500 for each willful violation.

The plaintiff is represented by Amor Law Firm P.A.