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SAN DIEGO (KGTV) - The federal watchdog agency that aims to protect consumers from unfair, deceptive, or abusive practices is suing a San Diego-based company.On Tuesday, the Consumer Financial Protection Bureau (CFPB) sued Encore Capital Group and its subsidiaries, claiming they violated the terms of a 2015 legal agreement.The CFPB claims, “Since September 2015, Encore and its subsidiaries violated the consent order by suing consumers without possessing required documentation, using law firms and an internal legal department to engage in collection efforts without providing required disclosures, and failing to provide consumers with required loan documentation after consumers requested it.”The lawsuit says after the effective date of the consent order, “Encore filed more than 100 lawsuits to collect consumer debts after the applicable statutes of limitations had expired."The lawsuit also claims Encore failed to disclose that consumers might incur international-transaction fees.In response to the lawsuit, the company's Executive Vice President, General Counsel, and Chief Administrative Officer Greg Call said Encore is built on a foundation of treating their consumers fairly and respectfully."We are disappointed that the CFPB has chosen to file this lawsuit on outdated issues, but we will continue to engage with the CFPB and work to ensure that we maintain policies and practices that fully comply with all applicable legal requirements. We believe that there will be no material operational impact as a result of the suit," said Call. "We fully corrected the issues underlying the allegations in this lawsuit years ago and are unaware of any unresolved consumer impact."DEBT COLLECTION LAWSUITSPart of the complaint talked about debt-collection lawsuits.In July Team 10 discovered a 157% increase in the number of rule 3.740 collections lawsuits filed in San Diego County court from 2015 to 2019. That involves any debt collection company."If you look not just in the county of San Diego, throughout the state of California, and in fact the dockets throughout the nation, we have a massive epidemic right now," said attorney Abbas Kazerounian during a July interview.Kazerounian said if someone's been sued or contacted by a debt collection company, they need to know their rights."The amount of debt is irrelevant," he said. "It's the method of collection that's controlled by these statutes."RESOURCES:Coping with debthttps://www.consumer.ftc.gov/articles/0150-coping-debtHelp available for renters, homeowners struggling to pay for housing during pandemichttps://www.10news.com/rebound/coronavirus-money-help/help-available-for-renters-homeowners-struggling-to-pay-for-housing-during-pandemic 2724

SAN DIEGO (KGTV) — The holiday season will be bright and alive with the sounds of bands and cheers this season.Several parades will return to San Diego in the next month, from the traditional Mother Goose Parade in El Cajon to the seasonal wrap-up with the Holiday Bowl Parade.And in between, even more festive entertainment across the county, as floats, marching bands, vintage cars, and performers get communities excited for the holidays.RELATED:Skate away on one of San Diego's outdoor ice rinks this holiday seasonSan Diego holiday tree lightings to catch this seasonTurkey trots, holiday runs in San Diego this seasonNov. 2473rd annual Mother Goose Parade: El Cajon's annual Mother Goose Parade hits the streets at 1 p.m., following Main Street from El Cajon Blvd. to 1st Ave. Each "Chapter" of the parade brings several floats and bands down the parade route for onlookers, all leading up to Santa's arrival.Dec. 6Coronado Holiday Parade: Coronado rings in the holidays with their annual parade at 6 p.m., with festival floats and performers making their way down Orange Ave., bringing Santa to the town's Christmas tree for a special lighting ceremony.Dec. 7Chula Vista Starlight Parade: Chula Vista's Starlight Parade begins at 5 p.m., as Third Avenue hosts vintage cars, marching bands, dancers, and more to kick off the holiday season in the South Bay.Encinitas Holiday Parade: For the 62nd year, Encinitas will see thousands gather to watch cars, floats, and marching bands head down Coast Highway 101 during the Encinitas Holiday Parade at 5:30 p.m. This year's theme is "Encinitas on the Move!"Ocean Beach Holiday Parade: OB's holiday parade kicks off at 5:05 p.m. on Newport Ave. under this year's theme of "Miracle on Newport Ave.!" Floats will also compete in categories for best lights, unusual float, and OB spirit!Dec. 8North Park Toyland Parade: Holiday magic comes alive at 11 a.m. in North Park as their annual Toyland Parade brings a display of festival bands, floats, and cars down University Ave., between Utah and Iowa Streets.La Jolla Christmas Parade: La Jolla celebrates the magic of Christmas starting at 11 a.m. during their annual Christmas Parade, this year under the theme "Christmas on the Moon." The parade will travel down Girard Ave. and Prospect St.San Diego Bay Parade of Lights: Boats dressed in lights and colorful decorations will glide along the San Diego Bay Parade of Lights before thousands of onlookers beginning at 5 p.m. each night. This year’s theme will be Comic-Con on the Bay.Dec. 14Mission Bay Christmas Boat Parade of Lights: Dozens of boats in their best holiday decor will hit the waters of Mission Bay for their own special parade beginning at 6 p.m., traveling between Vacation and Fiesta Islands.Oceanside Harbor Parade of Lights: Oceanside has its own celebration of the holidays on the water, as their Parade of Lights brings boats dressed in colorful lights and decorations to the harbor beginning at 7 p.m.Dec. 15Gaslamp Holiday Pet Parade: Pooches and felines will deck the paws in the Gaslamp District, as the annual Holiday Pet Parade makes its way down Fifth Ave. under the Gaslamp archway starting at 2 p.m.San Diego Bay Parade of Lights: (Second running) Boats dressed in lights and colorful decorations will glide along the San Diego Bay Parade of Lights before thousands of onlookers beginning at 5 p.m. each night. This year’s theme will be Comic-Con on the Bay.Dec. 26San Diego Holiday Bowl Parade: America's largest balloon parade returns to San Diego, as the Holiday Bowl Parade invites more than 100,000 out to watch marching bands, floats, drill teams, and, of course, balloons starting at 10 a.m. 3685

SAN DIEGO (KGTV) - The Central San Diego Black Chamber of Commerce announced a new relief fund for Black owned business meant to keep them afloat during the pandemic.They held a press conference Sunday afternoon at Waterfront Park announcing the Black Business Relief Grant Fund.Lance Growth, member of the chamber and CEO of Growth 1031, organized the press conference and says this is going to fill the gap where the government's Paycheck Protection Program fell short, "for the COVID crisis yes this is a light at the end of the tunnel."Growth says about 95% of black owned businesses did not get federal money."I don’t want to say insulting but disheartening where you watch this crisis unfold then you see your government say, 'Hey we know how bad this is we are going to provide you help,' but then you read about the businesses that [didn't get] PPP, and it just folds into the social unrest," he said.He said the grants and microloans will pay for anything from rent to supplies to payroll.Growth said they weren't going to make the application nearly as time consuming and invasive as the PPP, "we’re just going to try and get you this money as fast as possible because everyone is hurting from this pandemic."Applications open Wednesday, June 17, and priority will be given to small disadvantaged businesses in low income neighborhoods.Specific criteria for the grants will be defined Wednesday, according to the chamber.They are expecting a very high demand, compared to the amount they can give out. "One of the big things we announced is a goal that we want to raise million dollars in 60 days," Growth said, urging San Diegans to use this opportunity to get involved and make a difference.He said supporting black owned businesses help them thrive and remove barriers for the next generation. 1817

SAN DIEGO (KGTV) -- The growing concerns over the coronavirus are impacting the daily routines of people across San Diego. Some businesses are changing the way they do things. CorePower Yoga has dozens of studios across San Diego. Monday morning, the company sent an email to its staff and clients outlining several precautions. Chloe Delehanti works out at the Mission Valley location."I've lived through SARS and Swine Flu, and I don't remember it being this serious of a concern, certainly never getting emails from my gym, or travel alerts, so it's definitely concerning," said Delehanti. The email stated the company is increasing its cleaning protocols and reducing the use of props and physical contact between teachers and clients. "Obviously, I really like adjustments and having that component in class, but I think it's a good idea to be as safe as possible, considering that it is a really growing concern, and there's a lot of new cases," said Delehanti.A salon in Hillcrest is also changing the way it does business. Stylists at Brightside Barber will now have the option of turning away customers who appear sick. "From here on out, not to feel like you can't turn someone away, if they are visibly sick with a fever, coughing," said Angelic Corona. She's been in the business ten years and said she's never seen anything like this. "I was relieved, cause you know, in customer service, it's kind of always been the customer is always right, but in this scenario it's health and safety for everyone," said Corona. A few doors down at Ralphs, shoppers, like Tyler Armstrong, were stocking up on cleaning supplies. "I think it's crazy, and I think a lot of people aren't taking it as serious as they need to, and I think we have something serious on our hands," said Armstrong. 1800

SAN DIEGO (KGTV) - Swings and slides sit still across San Diego County, with caution tape wrapped around jungle gyms. Signs warning of coronavirus exposure tell hopeful parents and children the playgrounds they love are still closed.And no one seems to know when that will change."Kids do get infected with COVID, just like adults do," says Dr. Mark Sawyer, a Pediatric Infectious Disease Physician at Rady Children's Hospital."This is why we're worried about kids gathering because they potentially could get infected there and bring the infection home to more high-risk individuals who live in their house."Playgrounds have been closed since the start of the pandemic in March.ABC 10News reached out to San Diego County Officials to see if they have any guidelines in place. A spokesperson referred us to the State Reopening Guidelines.In hundreds of pages of reopening guidelines and plans, the word "playground" only comes up a handful of times. One is in the Industry Guidance for Campgrounds, RV Parks, and Outdoor Recreation. It advises campgrounds that "Playgrounds should also remain closed."Another time is in the State's new Blueprint Activity and Business Tiers for reopening. It specifies that Family Entertainment Centers can reopen Indoor Playgrounds at 50% capacity once their county reaches the Yellow or least restrictive tier.Parents and some lawmakers are growing frustrated at the lack of clarity for City and County-owned playgrounds at parks.On Tuesday, a group of two dozen state lawmakers sent a letter to Governor Gavin Newsom asking him to create clear guidelines for reopening. San Diego Mayor Kevin Faulconer tweeted his support for the letter.Doctors, however, urge caution."Playgrounds are gold mines for transmissions for other diseases," says Dr. Christian Ramers, an Infectious Disease Specialist at Family Health Centers of San Diego."Kids get runny noses. There's a lot of touching there. Kids are touching everything with their hands. So I think there's uncertainty."Still, studies show kids need outdoor physical activity. A recent report from the American Academy of Pediatrics reinforced guidelines that say kids 3-5 years old should get 3 hours of physical activity every day. Kids 6-17 need at least one hour."I really think kids should be able to play," says Dr. Jaime Friedman, a Pediatrician with Children's Primary Care Medical Group. She says small groups should be able to use playgrounds as long as they wipe down equipment and maintain social distancing."But, I think it would be hard to mandate that everybody has to do it in that way or make a schedule of who can be on the playground..."The important thing is that they need to make sure they're washing their hands, not touching their face, and if other kids show up, or other families show up, then you probably want to get out of there," Dr. Friedman says.There's also a mental health aspect to the debate, as studies show outdoor play helps kids avoid anxiety, depression, and negative feelings.Rady Child Psychologist Brent Crandal says it's up to parents to get creative with play and find other outdoor options."We can take advantage of all the spaces near playgrounds that seem to be open to the public," Dr. Crandal says. "There are hiking trails. There are beaches. There are a lot of outdoor areas to take advantage of."Many parents have decided to break the rules and let their kids use playgrounds anyway. Some playgrounds have added padlocks on swingsets and slides to enforce the rules.In the meantime, City and County leaders say they can't do anything until the state releases specific guidelines for playgrounds.Doctors say the best way to get playgrounds open again is to work towards eliminating the virus."The only way to control this is community-wide effort to follow the guidelines which are basically wearing a mask and staying away from other people," says Dr. Sawyer from Rady Children's Hospital. "If we do that, we're going to win this battle." 3984

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