Contract Callers Inc Dispute: What You Need to Know

Contract Callers Inc (CCI) is a debt collection agency based in Florida. It has been in business for over 30 years and has been known to collect debts on behalf of various businesses and industries. However, in recent years, CCI has been embroiled in legal disputes that have raised concerns about its practices and operations.

The most notable dispute involving CCI was in 2019, when the Consumer Financial Protection Bureau (CFPB) filed a lawsuit against the company for allegedly violating the Fair Debt Collection Practices Act (FDCPA) and the Consumer Financial Protection Act (CFPA). According to the lawsuit, CCI engaged in various illegal debt collection practices, such as making false statements, harassing consumers, and failing to verify debt before making collection attempts.

The lawsuit also alleged that CCI failed to properly train its employees on legal debt collection practices and failed to monitor and correct illegal behavior. As a result, CCI consumers suffered harm, including emotional distress, invasion of privacy, and damage to their credit scores.

In response to the CFPB lawsuit, CCI denied the allegations and argued that it had taken steps to address the issues outlined in the lawsuit. However, in 2020, CCI settled the lawsuit by agreeing to pay a civil penalty of $500,000 and to implement various compliance measures to ensure that it complies with the FDCPA and the CFPA.

The CCI dispute is not the only legal issue that the company has faced in recent years. In 2018, CCI settled a class-action lawsuit for $4.5 million for allegedly violating the Telephone Consumer Protection Act (TCPA) by making automated calls to consumers without their consent.

What Does the CCI Dispute Mean for You?

If you are a consumer who has been contacted by CCI regarding a debt collection, you have rights under the FDCPA and the CFPA. These laws protect consumers from abusive, unfair, and deceptive debt collection practices. If you believe that CCI has violated these laws, you can file a complaint with the CFPB or the Florida Attorney General`s office.

It is important to note that even if CCI has violated the law, you are still obligated to pay the debt that you owe. However, you have the right to request that CCI stop contacting you and to request validation of the debt. You can also dispute the debt if you believe that it is not yours or if the amount is incorrect.

If you are a business that is considering hiring CCI for debt collection services, it is important to do your due diligence and research the company`s reputation and compliance history. You should also ensure that CCI complies with all applicable laws and regulations, including the FDCPA and the CFPA.


The CCI dispute highlights the importance of ethical debt collection practices and the consequences of engaging in illegal behavior. As a consumer, it is important to know your rights and to take action if you believe that a debt collector has violated the law. As a business, it is important to ensure that you work with debt collection agencies that comply with all applicable laws and regulations. By doing so, you can protect your reputation and avoid legal disputes.