The CFPB, along with the State of New York, sued Northern Resolution Group, LLC, Douglas MacKinnon, Mark Gray, Enhanced Acquisitions, LLC, and Delray Capital, LLC in US District Court for the Western District of New York. The CFPB suit alleged that the defendants “took in ‘tens of millions of dollars’ a year by harassing, threatening and deceiving consumers.” The suit further alleged that MacKinnon and Gray, “collected debt consumers did not owe” and that in some cases they quoted customers at “more than 600 percent of the real debt amount.” The suit also accused the defendants of falsely threatened customers with “legal action” or falsely accused them of “committing crimes.”

• On November 2, 2016, the CFPB, along with the NY State Attorney General’s Office, filed a lawsuit against Northern Resolution Group, LLC, Douglas MacKinnon, Mark Gray, Enhanced Acquisitions, LLC, and Delray Capital, LLC in the US District Court for the Western District of New York. [Consumer Financial Protection Bureau and the People of the State of New York, by Eric T. Schneiderman, Attorney General for the State of New York vs. Douglas MacKinnon, Mark Gray, Northern Resolution Group, LLC, Enhanced Acquisitions, LLC, and Delray Capital, LLC, case no. 1:16-cv-00880, filed 11/02/16]

• The CFPB suit alleged that the defendants “took in ‘tens of millions of dollars’ a year by harassing, threatening and deceiving consumers.” The scheme began, according to the lawsuit, when Douglas MacKinnon and Mark Gray, “buying defaulted consumer debt for ‘pennies on the dollar'” The suit further alleged that MacKinnon and Gray, “collected debt consumers did not owe” and that in some cases they quoted customers at “more than 600 percent of the real debt amount.” The suit also alleged that the defendants falsely threatened customers with “legal action” or falsely accused them of “committing crimes.” [Phil Fairbanks, “Buffalo debt collectors accused of taking in ‘tens of millions’ by harassing consumers”, The Buffalo News, 11/02/16]