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Call-Blocking Technology without Delay

Rutledge Calls on Phone Carriers to Offer Call-Blocking Technology without Delay

Wed, Jul 22, 2015

LITTLE ROCK – Arkansas Attorney General Leslie Rutledge today joined 44 other state attorneys general in a letter to AT&T, Sprint, Verizon, T-Mobile and CenturyLink, calling on them to offer call-blocking technology to their customers.

In a joint letter to the chief executives of the five major phone carriers, the attorneys general said a new Federal Communications Commission (FCC) rule clarification allows telecommunication service providers to offer customers the ability to block unwanted calls and verifies that federal law does not prohibit offering the services.

“The Arkansas Attorney General’s Office receives numerous calls from consumers each year seeking a way to stop robocalls, scam text messages and unwanted telemarketing calls,” said Attorney General Rutledge. “Thanks to the efforts of attorneys general from across the country, the FCC has clarified a rule that allows phone carries to offer call-blocking technology. Consumers will now be able to stop these unwanted and intrusive calls and texts.”

In the letter, the attorneys general stated, “every year, our offices are flooded with consumer complaints pleading for a solution to stop intrusive robocalls. Your companies are now poised to offer your customers the help they need. We urge you to act without delay.”

The phone carriers had previously claimed they could not offer such services. At a July 2013 hearing before a U.S. Senate subcommittee, representatives from the U.S. Telecom Association and the Wireless Association, or CTIA, testified that “legal barriers prevent carriers from implementing advanced call-blocking technology to reduce the number of unwanted telemarketing calls.”

Call-blocking options already exist for Voice over Internet Protocol (VoIP) phone service (NoMoRobo.com) and Android cell phones (Call Control), and Rutledge calls on the phone carriers to move quickly to implement and inform their consumers of these options.

Last September, 39 attorneys general, led by Indiana Attorney General Greg Zoeller and Missouri Attorney General Chris Koster, called on the FCC to allow phone companies to utilize call-blocking technologies. FCC Chairman Tom Wheeler endorsed the request in late May, and the FCC voted to pass the rule clarification on June 18.

In addition to Arkansas, attorneys general from the following states signed today’s letter: Alabama, Alaska, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

A copy of the letter is available by clicking here.

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Federal Regional Haze Proposal Comments

Rutledge Files Comments with the EPA Regarding Federal Regional Haze Proposal

Thu, Jul 16, 2015

LITTLE ROCK – Arkansas Attorney General Leslie Rutledge today announced that she has submitted comments to the Environmental Protection Agency (EPA) after it proposed a Regional Haze Federal Implementation Plan following rejection of the State’s plan to improve visibility in the State’s wilderness areas.

The comments, filed yesterday, state that the EPA acted in an arbitrary and capricious manner in its decision to require billions of dollars in compliance costs for very limited improvement in visibility.

“I am urging the EPA to carefully consider the comments that have been submitted,” said Attorney General Rutledge. “This Federal Implementation Plan is a prime example of an overreaching federal regulation in a State in which recent data shows that visibility is improving. A plan crafted by Arkansas officials considering Arkansas’s best interests would serve the State much better.”

In the letter, Rutledge writes, “The proposed Federal Implementation Plan has no basis in law or science and is a prime example of overreaching federal regulation in response to ‘sue and settle’ litigation brought by the Sierra Club. As such, the EPA should withdraw the proposed plan and consult with the State in developing an approvable State Implementation Plan.”

These comments are being filed after Rutledge requested the EPA withdraw the proposed settlement between the Sierra Club and the EPA which would require the EPA to put in place a Federal Implementation Plan by December 15. In her previous comments, Rutledge cited that the plan is inconsistent with the Clean Air Act. In the previous comments, Rutledge also said that the Sierra Club lacks standing in the suit, Sierra Club v. McCarthy, which gave rise to the settlement. On July 11, Rutledge requested intervention in Sierra Club v. McCarthy.

A copy of the comment letter submitted to the EPA can be viewed here.

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Military Consumer Protection Day

Rutledge Marks Military Consumer Protection Day

Wed, Jul 15, 2015

FORT SMITH – Arkansas Attorney General Leslie Rutledge today marked Military Consumer Protection Day at Fort Chaffee by holding her third Rutledge Roundtable with military and veteran leaders to discuss the unique challenges faced by veterans and active duty servicemen and women and how the Attorney General’s Office can better serve them.

As a part of the new Military and Veterans Initiative at the Attorney General’s Office, Rutledge is holding Roundtables in all nine Arkansas Department of Veterans Affairs regions. Last week, she hosted a Roundtable in Region 1 at Fort Roots in North Little Rock. Today’s Roundtable at Fort Chaffee is in Region 6.

“Today is a good reminder of the commitment of our military servicemen and women, veterans and their families,” said Attorney General Rutledge. “It is important for me to spend Military Consumer Protection Day visiting with military and veteran stakeholders at Fort Chaffee, a 66,000-acre training facility for the United States Army and Arkansas National Guard. It is no secret that service members and their families face unique challenges and stresses. Scam artists are skilled at knowing exactly how to exploit these weaknesses, which is why we are working to educate our military members, veterans and their families about services provided by the Attorney General’s Office.”

Arkansas military service members, veterans and families can file consumer complaints with the Attorney General’s Office on ArkansasAG.gov or by calling (800) 482-8982.

Military Consumer Protection Day is a partnership between attorneys general from across the country, the Consumer Financial Protection Bureau, Better Business Bureau, Federal Trade Commission, and many more organizations. Military Consumer Protection Day is an initiative to empower active duty and retired service members, veterans and families and help them defend against fraud and make better-informed decisions when managing money.

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Mobile Office Locations for Remainder of July

Rutledge Announces Mobile Office Locations for Remainder of July

Tue, Jul 14, 2015

LITTLE ROCK – Arkansas Attorney General Leslie Rutledge today announced mobile office locations for the remainder of July.

Attorney General Rutledge created the mobile office initiative to make the office accessible to everyone, particularly to those who live outside the capital city.

The mobile offices assist constituents with consumer related issues in filing consumer complaints against scam artists. Attorney General Rutledge believes there is no issue too small for her staff to have a face-to-face conversation.

For more information about services provided by the Attorney General’s Office, visit ArkansasAG.gov or call (501) 682-2007. Rutledge can also be found on Facebook at facebook.com/AGLeslieRutledge and on Twitter at twitter/com/AGRutledge.

The upcoming mobile office schedule is below:

Hope

Tuesday, July 21

9:30 – 11:30 a.m.

Hope City Hall, Lobby

206 W. Avenue A

Hope, AR 71802

Prescott

Tuesday, July 21

1:30 – 3:30 p.m.

Nevada County Senior Center, Lobby

419 E. Main St.

Prescott, AR 71857

Heber Springs

Thursday, July 23

9:30 – 11:30 a.m.

Cleburne County Senior Citizens Center, Community Room

320 Trailwood Drive

Heber Springs, AR 72543

Conway

Thursday, July 23

1:30 – 3:30 p.m.

Faulkner County Senior Citizens Center, Community Room

705 E. Siebenmorgen Road

Conway, AR 72032

Star City

Tuesday, July 28

9:30 – 11:30 a.m.

Star City-City Hall, Lobby

200 S. Jefferson St.

Star City, AR 71667

Pine Bluff

Tuesday, July 28

1:30 – 3:30 p.m.

Pine Bluff City Hall, Conference Room

200 E. 8th Ave.

Pine Bluff, AR 71601

Rison

Thursday, July 30

9:30 – 11:30 a.m.

Rison City Hall, Lobby

405 Main St.

Rison, AR 71665

Sheridan

Thursday, July 30

1:30 – 3:30 p.m.

Sheridan Parks & Recreation Center, Lobby

1511 S. Rose St.

Sheridan, AR 72150

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Metal Theft Prevention Program

Rutledge Launches Metal Theft Prevention Program

Thu, Jul 9, 2015

LITTLE ROCK – Arkansas Attorney General Leslie Rutledge today announced at a press conference at the State Capitol a new initiative from the Attorney General’s Special Investigations Division to combat the problem of metal theft. Rutledge was joined at the Capitol by Arkansas Farm Bureau President Randy Veach and AT&T Arkansas Director of External Affairs Ronald Dedman.

“For far too long, too many scrapyards have not been following the law and thus, allowing criminals to get away with metal theft,” said Attorney General Rutledge. “As Attorney General, I am launching a coordinated statewide effort to train local law enforcement to target metal theft, and instructing agents of the Special Investigations Division at the Attorney General’s Office to begin controlled sales and inspections of scrapyards to ensure non-precious metal is properly registered. These crimes have gone on far too long, and are harming Arkansas businesses, farms, schools, homes and churches. Enough is enough, and today, we begin a process of bringing an end to these crimes.”

Metal Theft Prevention Program Background

  • In 2009, Arkansas became the second State in the country to pass a State law to automate the investigations process for metal theft crimes, requiring all scrap metal recyclers to report transactions electronically.
  • Arkansas Act 1354 of 2013 requires scrap metal recyclers to receive a license issued by their local sheriff.
    • It also creates a compliance report that allows law enforcement to easily check to see if scrap metal recyclers are reporting all information required by State law.
    • Those not reporting properly are subject to a civil penalty of $1,000 per violation.
  • According to the National Insurance Crime Bureau, Arkansas was ranked #5 in insurance claims for metal theft with more than 600 claims from 2010-2012.
  • After processing a query of the available National Incident Based Reporting System (NIBRS) data submitted by participating law enforcement agencies in Arkansas for 2014, 602 incidents returned with stolen metals (non-precious).
  • As part of the NIBRS reporting structure, metals (non-precious) are defined as the following: base metals or alloys possessing luster, malleability, ductility, and conductivity of electricity and heat, as well as ferrous and non-ferrous metals such as iron, steel, tin, aluminum, copper, brass, copper wire, copper pipe, etc.
  • Arkansas has existing laws, but because of limited resources, these laws are not being consistently enforced.
  • To combat this growing, costly problem, Attorney General Rutledge is launching a coordinated statewide Metal Theft Prevention Program.
  • Farmers are one of the largest targeted groups. Thieves are repeatedly taking wire off agricultural pivot irrigation systems and may net a few hundred bucks from this felonious sale. But it costs our farmers at least $10,000 to repair, in addition to delaying their crop schedule.
  • Sworn officers in the Special Investigations Division at the Attorney General’s Office will conduct trainings with local law enforcement to use a free online service, LeadsOnline, to target metal theft.
  • The weeklong trainings in late July will be held in Jonesboro, Fort Smith, Texarkana, Mountain Home, El Dorado, Monticello, Fayetteville, West Memphis and Little Rock.
  • In August, these agents will begin controlled sales and inspections of scrapyards to ensure that non-precious metal is properly registered and scrapyards are in compliance with the law.
  • If there is proof that a scrapyard not following the law, these agents have the authority to issue warnings or citations, which are up to $1,000 for each offense.
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Settlement with Chase to Change Practices

Arkansas Settles with Chase to Change Unlawful Credit Debt Collection Practices

Wed, Jul 8, 2015

LITTLE ROCK – Arkansas Attorney General Leslie Rutledge today announced a $136 million joint state-federal settlement with Chase Bank USA N.A. and Chase Bankcare Services Inc. in which both will reform unlawful credit card debt collection practices. Arkansas will receive $342,758.11 of the settlement.

The joint agreement, through an assurance of voluntary compliance with the States and a separate order with the Consumer Financial Protection Bureau (CFPB), follows an investigation into Chase’s past debt collection practices.

“While Chase is entitled to collect lawfully on unpaid debts, it is not at liberty to use false information to pursue collection cases against Arkansas consumers,” said Attorney General Rutledge. “This agreement today holds Chase accountable for these unfair actions, provides restitution to harmed consumers in Arkansas and puts in place proper protections to ensure these practices never take place again. Debt collectors, including Chase, are prohibited from using abusive, unfair or deceptive practices to collect from consumers.”

The agreement today requires Chase to significantly reform its credit card debt collection practices in areas of declarations, collections litigation, debt sales and debt buying. Debt buying involves the sale of debt by creditors or other debt owners, often for pennies on the dollar, to buyers who then attempt to collect the debt at full value or sell it to other buyers.

Among other reforms, the agreement requires new safeguards to help ensure debt information is accurate, including the correction of inaccurate data provisions of additional information to consumers who owe debts and a prohibition to Chase’s debt buyers from reselling consumer debts to other purchasers.

Previously, initial buyers of Chase’s consumer credit card debt could resell the debt, the subsequent buyer could flip the debt to another buyer, and the process could repeat itself many times. If initial information about the debt was incorrect or was transmitted with errors to a subsequent debt buyer, that could result in long-term harm to the consumer and leave the consumer with the difficult or even impossible burden of successfully challenging or correcting errors.

The investigation uncovered unlawful debt collection practices. According to the joint state-federal probe, Chase:

* Subjected consumers to collections activity for accounts that were not theirs, in amounts that were incorrect or uncollectable.
* Subjected consumers to inaccurate credit reporting and unlawful judgments that may affect consumers’ ability to obtain credit, employment, housing and insurance in the future.
* Sold certain accounts that were inaccurate, settled, discharged in bankruptcy, not owed by the consumer or otherwise uncollectable to debt buyers.
* Filed lawsuits and obtained judgments against consumers using false and deceptive affidavits and other documents that were prepared without following required procedures, a practice commonly referred to as “robo-signing.” These practices misled consumers and courts and caused consumers to pay false or incorrect debt and incur legal expenses and court fees to defend against invalid or excessive claims.
* Made calculation errors when filing debt collection lawsuits that sometimes resulted in judgments against consumers for incorrect amounts.

Chase suspended its consumer credit card debt sales in 2013 and collections litigation in 2011. In 2012, Chase maintained approximately 64.5 million open accounts with $124 billion in outstanding credit card debt. From 2009-2013, Chase recovered approximately $4.5 billion of debt from defaulted accounts through collection lawsuits, selling defaulted accounts to third-party debt buyers, or both.

Chase has agreed to cease all collection efforts on more than 528,000 consumers, including an estimated 1,200 in Arkansas. Chase sued the affected consumers for credit card debts and obtained judgments between January 1, 2009 and June 30, 2014. Chase will notify affected borrowers of the change and will request all three major credit reporting agencies to not report the judgments.

The agreement also ensures that Chase will fulfill $50 million in consumer restitution through a separate 2013 consent order reached with the Office of the Comptroller of the Currency<http://www.occ.gov/news-issuances/news-releases/2013/nr-occ-2013-139.html> (OCC). Chase estimates that so far it has provided $25,300 in restitution to 40 Arkansas consumers.

If Chases’ consumer restitution through the OCC action falls short of $50 million by July 1, 2016, Chase must pay the remaining balance to State attorneys general and the CFPB.

In addition to Arkansas, the following attorneys general are participating in the Chase settlement: Alaska, Alabama, Arizona, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia and Wisconsin.

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