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HENSON v. SANTANDER CONSUMER USA, INC.

No. 15-1187.

817 F.3d 131 (2016)

Ricky HENSON; Ian Matthew Glover; Karen Pacouloute, f/k/a Karen Welcome Kuteyi; Paulette House, Plaintiffs-Appellants, v. SANTANDER CONSUMER USA, INC., Defendant-Appellee, and Commercial Recovery Systems, Inc.; NCB Management Services, Incorporated, Defendants. AARP; National Consumer Law Center; National Association of Consumer Advocates; Civil Justice, Inc.; Public Justice Center, Inc.; Maryland Consumer Rights Coalition, Inc.; Attorney General of Maryland, Amici Supporting, Appellants.

United States Court of Appeals, Fourth Circuit.

Decided: March 23, 2016.

Attorney(s) appearing for the Case

ARGUED: Cory Lev Zajdel , Z Law, LLC, Reisterstown, Maryland, for Appellants. Kim M. Watterson , Reed Smith LLP, Pittsburgh, Pennsylvania, for Appellee. ON BRIEF: Travis Sabalewski , Robert Luck Jr. , Richmond, Virginia, Richard L. Heppner , Reed Smith LLP, Pittsburgh, Pennsylvania, for Appellee. Julie Nepveu , AARP Foundation Litigation, Washington, D.C., for Amicus AARP. Joseph S. Mack , Catherine Gonzalez , Civil Justice, Inc., Baltimore, Maryland; Brian E. Frosh , Attorney General, Office of the Attorney General of Maryland, Baltimore, Maryland, for Amici Attorney General of Maryland, Civil Justice, Inc., Maryland Consumer Rights Coalition, Inc., National Association of Consumer Advocates, National Consumer Law Center and Public Justice Center, Inc.

Affirmed by published opinion. Judge NIEMEYER wrote the opinion, in which Judge DUNCAN and Judge AGEE joined.

Four Maryland consumers commenced this action against Santander Consumer USA, Inc., and its agents, alleging that the defendants violated the Fair Debt Collection Practices Act ("FDCPA"), 15 U.S.C. §§ 1692-1692p, by engaging in prohibited collection practices when collecting on the plaintiffs' automobile loans...

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