All states have consumer protection laws that are devised to prohibit a wide variety of deceptive and unlawful business practices. These laws allow consumers protection against predatory and dishonest business practices. The District of Columbia’s Consumer Protection Procedures Act (CPPA) is a comprehensive statute, covering many types of violations. Consumer fraud can take many different faces; including false advertising, misrepresentation of features, misrepresentation of qualifications, warranty breeches, and any other ploys meant to mislead the consumer.
Please contact us for a free consultation if you believe you have been a victim of any of these schemes.
eForcity Unfair and Deceptive Trade Practices Investigation:
eForcity is an online retailer that also fulfills orders for other stores, including Newegg and Walmart. Customers report myriad issues associated with their orders. Products advertised as new are instead in used condition, wrong products are delivered, and delivery times are longer than advertised. Returns are also an ordeal, with the consumer incurring the cost of a 15% restocking fee, even when the wrong item arrived, or arrived damaged. Returning the item within 30 days does not eliminate the restocking fee and shipping costs also fall on the customer. After 30 days, returns are not accepted, and the extra days that it may take for eForcity to receive a delivery count against the consumer.
Bethesda Game Studios:
The game developer released their latest game, Fallout 76, and received heavy criticism for shipping what reviewers and consumers considered an unfinished product at full retail price. Bethesda Games refused to issue refunds for PC purchasers of the game who found it to be unplayable because of its technical problems. While minor bugs and glitches are expected with the release of most new games, Fallout 76 launched with a 56GB patch that has proven to be but a starting point for the game’s problems. Gamers who have tried to receive a refund because of the game’s overwhelming glitches have been unable to do so since they downloaded the game, leaving them to deal with an unplayable experience until patches bring it back to a playable state.
Bank of America Predatory Lending:
Customers report that the terms of their home equity loans change from what was initially agreed upon. For one customer, the payment owed doubled from its initial rate; the loan’s variable rate became tied to the Fed’s raising or lowering of federal interest rates; invoices were not mailed on a consistent basis, leaving the customer unsure of the amount owed; and the due date of payments was changed without the customer’s input. Taken together, these measures have the potential to make customers fall behind on their payments, raising the possibility for missed payments and late fees.
M&T Bank Unauthorized Charges:
M&T Bank is under investigation for failing to make its customers aware of fees that would be charged if certain conditions were not met for their savings account. Customers report that a service fee of $15.00 dollars a month are taken out of the savings account if there is not a minimum of $2,500.00 in the account. This fee can go unnoticed in statements, leaving customers unaware not only that their account is being charged, but also how to meet the conditions that would make the charge stop, since they didn’t know about those conditions in the first place.