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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treating their consumers fairly and respectfully."We are disappointed that the CFPB has chosen to file this lawsuit on outdated issues, but we will continue to engage with the CFPB and work to ensure that we maintain policies and practices that fully comply with all applicable legal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 fight over the future of short-term vacation rentals in San Diego is now targeting paid signature gatherers hired by the largely Airbnb-funded campaign.The campaign, called "Stand for Jobs, Stop the Vacation Rental Ban," needs to raise about 35,000 signatures to overturn the City Council's recent vote to limit short-term vacation rentals essentially to primary residences. A group of residents called the San Diego Community Working Group on Short-Term Vacation Rentals is now drafting a letter to multiple city officials alleging that the signature gatherers are misleading voters with false information about the regulations. RELATED: Airbnb: San Diego teachers made .7M renting out their home last year"You won't be able to do bed and breakfast, and then there's a huge emphasis on the amount of money on the fee. There is no fee for home sharing," said Gary Wonacott, a member of the group, giving examples of what he's heard.There are now upwards of 200 signature gatherers around San Diego. On Friday, there were five of them spread across the Target shopping center on Sports Arena Boulevard.LaKeisha Weaver says she is being paid more than for every signature she gets. She says she goes from city to city to gather signatures for different issues and is living in a hotel this month to work on the short-term vacation ordinance in San Diego.RELATED: Future of short-term rentals could go to voters"We send rent home, we have children and families, et cetera," she said. "It's just like a traveling position."Weaver says she tries to engage voters with a very brief verbal pitch and has official literature for them to read. But that strategy, employed by many signature gatherers, is leading to the concerns of inaccurate pitches to voters.But it's unclear how common that is. Outside Target, one signature gatherer was calling to people by saying "Good morning, Sir," or "Good morning, ma'am." However, another outside Ralph's made a questionable claim that the ordinance would ban all bed and breakfasts. RELATED: Airbnb ruling could make more homes availableJonah Mechanic, director of Share San Diego, which is involved in the signature campaign, said it is relying on well more than the paid signature gatherers. "There's a lot of local hosts doing events, doing fundraisers where they're gathering signatures, and raising awareness," he said. Weaver said she had about 17 signatures by 1 p.m. Friday. After some time in Sports Arena, she took an Uber to try to get more in Hillcrest.If Airbnb gets the signatures, the City Council would either have to withdraw the restrictions or put them to a public vote.Currently, the city's restrictions on short-term rentals are scheduled to go into effect in July 2019.  2823

SAN DIEGO (KGTV) -- Sunday, The Department of Environmental Health lifted a water contact closer along Imperial Beach. The department said recent water quality testing confirms that Tijuana River flows are no longer impacting the beaches. RELATED: Sewage-contaminated runoff in Tijuana River prompts Imperial Beach water closureThe area was closed to water contact recently due to sewage-contaminated flows from the Tijuana River entering the U.S. The department said Sunday that the ocean shoreline from the International Border to the south end of Seacoast drive will remain closed until water sampling confirms the areas are safe for water contact.RELATED COVERAGE: 701

SAN DIEGO (KGTV) - Students in the San Diego Continuing Education welding class have found their own unique way to honor the legacy of Dr. Martin Luther King Jr.They're building a scale replica of the Liberty Bell to enter as a float in this year's MLK Day Parade."The parade theme, every year, is Let Freedom Ring," says instructor Mike Bradbury. "So you have to come up with something that revolves around Let Freedom Ring."Recreating the Liberty Bell seemed like a natural fit, as it echos Dr. King's call for liberty and freedom."We talked about what that means to all Americans, not just a certain race," says Bradbury. "So they get to learn a lot of different aspects of what the man, Martin Luther King, stood for."They also learn about project management from a welding perspective. Students say it was a good way to break up the tedium of every day classes."This is a real world project," says second semester student Josh Zazueta. "We have a deadline. We have a budget.""With regular welding, there is problem solving," says student Donasia Brown. "But with this, it's about encountering issues and all of us saying how we're going to solve this together."The bell itself is quite an undertaking. It required more than 10,000 welding notches and about a mile of wiring to build. Students say they can't wait to see it roll down the road during Sunday's parade."It's definitely an honor to work on a project like this," says Brown.The Parade is from 2 p.m.-5 p.m. on Sunday, and it begins in front of the County Administration Building downtown.For more information about the parade, or to find out how to watch it live, click here. 1649

SAN DIEGO (KGTV) - The countdown has begun for St. Patrick's Day in San Diego. The Gaslamp District is heavily bedazzled with sparkly green decorations. Many people said they are ready to party.Niamh Thornton is a 24 year old Irish student, now living in San Diego. “Niamh is pronounced like “Christmas Eve,” but with an “N” like “Neev”… It’s Irish,” Thornton said.She has been working at the Field Irish Pub in the Gaslamp District since last June."It's called an Irish Mule… It's lovely,” she said, pointing at a popular drink at the pub.The Irish native was getting ready for a 10-hour shift at the Field Saturday. "It's going to be crazy, I'd say,” Thornton said. Crazy may be an understatement.Saturday, many blocks downtown will be closed from sunrise to sunset-- for the morning Shamrock Run, the daytime parade, and shamROCK, the evening concert. Plus, many will be staring at the television screens, screaming for their favorite Irish teams. “England vs. Ireland in the rugby,” she said. ”And six nations. That’s insane. So this place is going to be packed.”But some people just could not wait to pre-party. Many people we saw in Downtown were showcasing their green accessories and outfits. Some were fully dressed up as lucky leprechauns. Kristin Ventura was showing off her Irish American pride with her co-workers at the Field Irish Pub. She said it is the one day of the year that anyone can be an honorary Irishman."Everyone is a little bit Irish,” Ventura said. “Deep down inside, there is that little spunk in you."Thornton said that spunk comes from St. Patrick himself, who legend said, saved the island from a slithery invasion."He got rid of snakes in Ireland,” Thornton said. “So that's why there are no snakes in Ireland."That was the start of the St. Patrick’s Day celebration for everyone — even for those on the other side of the planet. But for Thornton, that will have to have to wait until the end of her shift Saturday.“Then I'm going to go out and have fun,” Thornton laughed.  2066