Fair Debt Collection: B.3.8 CFPB, Bulletin 2017-01: Phone Pay Fees
This guidance lists examples of conduct related to phone pay fees that may constitute unfair, deceptive, or abusive acts or practices (UDAAPs). It also reminds debt collectors that collecting phone pay fees violates section 1692f(1) of the FDCPA unless “such amount is expressly authorized by the agreement creating the debt or permitted by law.”20