I've been tracking every major debt collection enforcement case. Portfolio Recovery got fined $24M in 2023—for the same violations they were fined $27M for in 2015. Performant just got completely banned from student loans.
Here's what I found:
Last updated: January 2025
Every one of these started with violations that could have been caught with automated call monitoring. Traditional QA samples 5-10% of calls—these companies learned the hard way what's hiding in the other 90%.
Key Detail: This was their SECOND violation for the same issues. Fined $27M in 2015, violated the consent order, then fined $24M again in 2023. One of the largest debt collectors in the United States.
Key Detail: Internal manager emails literally said "the objective is to delay as much as possible without getting Performant in trouble." Permanently banned from federal student loan collections.
Key Detail: Multistate action with CFPB + 7 state attorneys general. Court granted temporary restraining order the day after filing. Assets frozen, receiver appointed, company shut down.
Traditional QA samples 5-10% of calls. Every case above involved violations that could have been caught with automated monitoring of 100% of calls. Portfolio Recovery was fined twice for the same violations because they kept missing them in unmonitored calls.
ANVO monitors 100% of your calls for FDCPA compliance. Catch violations before they become enforcement actions.
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