My question involves collection proceedings in the State of: Texas
My young family friend called me last night for advice on whether she should pursue legal remedies against her bank. She had lived in this small town during her teen years as an orphan. She moved away last year with the father of her children to another city for employment opportunities. At that time, her checking account was overdrawn. Now, some 7 or so months later, the woman just moved back to the small town with her two infants (ages: 1 yr and a newborn) and into her own place and recently started working in a local store. Her employer prefers to pay by direct deposit, so she went to the bank to see if she could still use her checking account. The bank said that the account had been closed due to inactivity and opened a new account for her. No mention of any outstanding charges were made by the bank to her at that time. This week, however, a co-worker approached the young lady at work and told her that her husband is "on the board" at the bank and that they had discussed the young woman at home and the husband told his wife that the young woman owed a $500 debt to the bank that she needed to take care of. The co-worker then offered to transport the young woman to the bank and introduce her to her husband so that he could set up an affordable payment arrangement.
My friend was taken completely by surprised and was placed in a very awkward position. Not sure of how to respond, she agreed to go with the co-worker to the bank to meet her husband. Later, after thinking the matter over, she felt very violated by the breach of her privacy made by the co-worker and her banker husband, so she went back to the bank and lodged a complaint with the bank president. She hoped he would offer to expunge any alleged debt as a result, but he only offered to reprimand the co-worker's husband.
Would the co-worker and her husband's actions be considered a violation of of the Fair Debt Collections Act? Also, has the co-worker breached any employment laws such as harassment or something?