ohsheetnj Posted March 15 Report Share Posted March 15 Here's a new one, I'm sure most haven't seen yet. I have accounts with MCM. Yesterday, I was on a totally different website, I'll use a fishing one as an example, and I started to get these banners for MCM. They said MCM offers low monthly payments, create your plan today. Thoughts on this one? What if the person in the room with me saw them, and is like...whats that about? Quote Link to comment Share on other sites More sharing options...
BV80 Posted March 15 Report Share Posted March 15 14 minutes ago, ohsheetnj said: Here's a new one, I'm sure most haven't seen yet. I have accounts with MCM. Yesterday, I was on a totally different website, I'll use a fishing one as an example, and I started to get these banners for MCM. They said MCM offers low monthly payments, create your plan today. Thoughts on this one? What if the person in the room with me saw them, and is like...whats that about? Most businesses track your device via “cookies”. They usually provide a notice about it in their website privacy policy. It’s legal. They may also include an “opt out” to be tracked. What do you mean by another person in the room with you who saw it? Quote Link to comment Share on other sites More sharing options...
ohsheetnj Posted March 15 Author Report Share Posted March 15 What I mean is, I am on my computer with SO, for example. On a normal website, then start getting banners from MCM Midland Credit Management. MCM Offers Low Monthly Payments. Create your plan today. They ask what's that about? I'd have to run this by a consumer attorney. It's a sly way to try to collect a debt. (no disclaimer either) Quote Link to comment Share on other sites More sharing options...
BV80 Posted March 15 Report Share Posted March 15 37 minutes ago, ohsheetnj said: What I mean is, I am on my computer with SO, for example. On a normal website, then start getting banners from MCM Midland Credit Management. MCM Offers Low Monthly Payments. Create your plan today. They ask what's that about? I'd have to run this by a consumer attorney. It's a sly way to try to collect a debt. (no disclaimer either) Did it say that you specifically owe a debt? Unless it said that you “ohsheetnj” owe a debt and it was trying to collect a debt that you owe, it was not third-party disclosure nor an attempt to collect a debt. General ads do not require FDCPA disclosures. Also, what are your damages? Since the Supreme Court’s ruling in Transunion v. Ramirez, courts have become very strict about Article III standing and claimed damages. Embarrassment is not considered a valid claim. When someone asks “what’s that about?”, you simply reply that you don’t know. I get weird ads all the time. I even get ads for credit repair, but I have no debts and excellent credit. I get ads for home mortgages offering to reduce monthly payments, but I don’t have a mortgage because it’s paid off. Quote Link to comment Share on other sites More sharing options...
ohsheetnj Posted March 15 Author Report Share Posted March 15 next time this ad pops up, im gonna click on it and see what happens. you know as well as I do, if you were shopping for cars, then every website you go to has car ads on it. i was shopping at kohls for shirts, i keep getting ads for shirts. Quote Link to comment Share on other sites More sharing options...
BV80 Posted March 15 Report Share Posted March 15 45 minutes ago, ohsheetnj said: next time this ad pops up, im gonna click on it and see what happens. you know as well as I do, if you were shopping for cars, then every website you go to has car ads on it. i was shopping at kohls for shirts, i keep getting ads for shirts. If you filed an FDCPA lawsuit, what exactly would you claim they violated? Quote Link to comment Share on other sites More sharing options...
ohsheetnj Posted March 15 Author Report Share Posted March 15 In the process of filing a FDCPA suit now. I have many violations against them, and may just throw this in there since the complaint is already being filed. Quote Link to comment Share on other sites More sharing options...
Credithis Posted March 15 Report Share Posted March 15 Dunno if this helps.. Automatic Information. We receive and store some Information automatically when you interact with the Site, such as information your web browser provides to our web server. Like many websites, we use “cookies,” which are unique identifiers that we transfer to your device to enable us to recognize your device and to provide certain features to you. For example, we may use Marketing Munchkin Tracking cookies to track behavior of certain consumers who visit our website and may use Marketo cookies from our third-party email provider to track whether our emails are opened and to track certain activity on the Site. More information on Marketo’s privacy and cookie policy can be found at https://www.marketo.com/company/legal/. If you prefer that we do not place cookies on your web browser you may opt out by clicking the Do Not Track (DNT) feature in your browser. This prevents tracking for your particular browser and device. The Help feature on most browsers will also tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Because cookies enable you to use certain features on the Site, we recommend that you leave them turned on. Third Party Analytics Providers . We use a tool called “Google Analytics” to collect information about use of this site. Google Analytics collects information such as how often users visit this site, what pages they visit, when they do so, and what other sites they used prior to coming to this site. Google Analytics collects only the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to this site on your browser. https://www.midlandcredit.com/web-privacy-policy/ 1 Quote Link to comment Share on other sites More sharing options...
BV80 Posted March 15 Report Share Posted March 15 2 hours ago, Credithis said: Dunno if this helps.. Automatic Information. We receive and store some Information automatically when you interact with the Site, such as information your web browser provides to our web server. Like many websites, we use “cookies,” which are unique identifiers that we transfer to your device to enable us to recognize your device and to provide certain features to you. For example, we may use Marketing Munchkin Tracking cookies to track behavior of certain consumers who visit our website and may use Marketo cookies from our third-party email provider to track whether our emails are opened and to track certain activity on the Site. More information on Marketo’s privacy and cookie policy can be found at https://www.marketo.com/company/legal/. If you prefer that we do not place cookies on your web browser you may opt out by clicking the Do Not Track (DNT) feature in your browser. This prevents tracking for your particular browser and device. The Help feature on most browsers will also tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Because cookies enable you to use certain features on the Site, we recommend that you leave them turned on. Third Party Analytics Providers . We use a tool called “Google Analytics” to collect information about use of this site. Google Analytics collects information such as how often users visit this site, what pages they visit, when they do so, and what other sites they used prior to coming to this site. Google Analytics collects only the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to this site on your browser. https://www.midlandcredit.com/web-privacy-policy/ That’s what I meant about a notice being provided on a website. Thank you! It tells you that it tracks you and how to opt out. Quote Link to comment Share on other sites More sharing options...
Bulldoger Posted March 15 Report Share Posted March 15 I experience same usually stops in few days and replace by TEMU or Harbor Freight ads. Quote Link to comment Share on other sites More sharing options...
ohsheetnj Posted March 16 Author Report Share Posted March 16 17 hours ago, Credithis said: Dunno if this helps.. Automatic Information. We receive and store some Information automatically when you interact with the Site, such as information your web browser provides to our web server. Like many websites, we use “cookies,” which are unique identifiers that we transfer to your device to enable us to recognize your device and to provide certain features to you. For example, we may use Marketing Munchkin Tracking cookies to track behavior of certain consumers who visit our website and may use Marketo cookies from our third-party email provider to track whether our emails are opened and to track certain activity on the Site. More information on Marketo’s privacy and cookie policy can be found at https://www.marketo.com/company/legal/. If you prefer that we do not place cookies on your web browser you may opt out by clicking the Do Not Track (DNT) feature in your browser. This prevents tracking for your particular browser and device. The Help feature on most browsers will also tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Because cookies enable you to use certain features on the Site, we recommend that you leave them turned on. Third Party Analytics Providers . We use a tool called “Google Analytics” to collect information about use of this site. Google Analytics collects information such as how often users visit this site, what pages they visit, when they do so, and what other sites they used prior to coming to this site. Google Analytics collects only the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to this site on your browser. https://www.midlandcredit.com/web-privacy-policy/ I looked at the website that I found the ads on, and looked at one of the car ones. It says "Ads by Google". Quote Link to comment Share on other sites More sharing options...
ohsheetnj Posted Saturday at 06:36 PM Author Report Share Posted Saturday at 06:36 PM I have a question, I have multiple fdcpa violations against MCM. A consumer attorney took the case (obviously), but said I would only get $1000. Is that true? Or is it $1000 per violation? Quote Link to comment Share on other sites More sharing options...
BV80 Posted Saturday at 07:23 PM Report Share Posted Saturday at 07:23 PM 1 hour ago, ohsheetnj said: I have a question, I have multiple fdcpa violations against MCM. A consumer attorney took the case (obviously), but said I would only get $1000. Is that true? Or is it $1000 per violation? The attorney is correct. The statutory damages are $1000 per action. “Action” is lawsuit. No matter how many violations you include in your lawsuit (action), the max in statutory damages is $1000. ”We agree with Appellees that 15 U.S.C. § 1692k(a)(2)(A) is best read as limiting statutory damages to $1,000 per successful court action.” Goodmann v. People's Bank, 209 F. App'x 111, 114 (3d Cir. 2006). ”Statutory damages are subject to a cap of $1,000 per suit, 15 U.S.C. § 1692k(a)(2)(A), no matter how many violations of the Act a given debt collector commits.” Smith v. Greystone All., LLC, 772 F.3d 448, 449 (7th Cir.2014). 1 Quote Link to comment Share on other sites More sharing options...
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