DPL-Surveillance-Equipment.com

These are new product announcements from my main website (Open 24/7/365). We have a life-time warranty / guarantee on all products. (Includes parts and labor). Here you will find a variety of cutting-edge Surveillance and Security-Related products and services. (Buy/Rent/Layaway) Post your own comments and concerns related to the specific products or services mentioned or on surveillance, security, privacy, etc.

Monday, August 22, 2016

Mystery Shoppers Reveal Mortgage Loan Discrimination















Mystery Shoppers Reveal Mortgage Loan Discrimination









In 2013, a loan officer at BancorpSouth Bank’s Madison, Ala., branch received visits from two people with similar profiles within 10 days of each other, both saying they were first-time home buyers—one white, the other black. The employee allegedly steered the black customer to a smaller and more expensive loan, even though her stated income and credit score were higher than the white applicant’s.




When the Consumer Financial Protection Bureau took action against the bank in June for allegedly discriminating against African-American customers in mortgage lending, the federal watchdog agency disclosed that the aspiring borrowers were “mystery shoppers,” or undercover investigators, sent in by the agency.




The case is the latest example of the five-year-old CFPB testing boundaries with its enforcement tactics, a pattern that has sparked clashes between the agency and the financial industry and Republican lawmakers.

PRO-DTECH II FREQUENCY DETECTOR
(Buy/Rent/Layaway)


Undercover operations are common in criminal probes. But they are rarely used by regulators in civil law-enforcement cases because of limits imposed under the 1974 Privacy Act and other concerns. That law maintains that government officials must identify themselves if seeking information from individuals. Some agencies interpret that as prohibiting any covert investigations. The CFPB and others argue it doesn’t apply to “mystery shopping,” because that tactic is used only to seek information that would be available to any member of the public, and doesn’t involve eliciting personal information about individuals.


The agency won’t discuss the extent of its use of such mystery shoppers, and the BancorpSouth case is the only one in which the CFPB has disclosed deploying them. Quyen Truong, a partner at Stroock And Stroock And Lavan LLP who served as the agency’s deputy general counsel until May, said implementing the mystery-shopping program “took significant efforts but it’s been up and running.” She added that the agency developed the program “after evaluating all the potential legal restrictions.”







The use of mystery shoppers signals the CFPB’s new emphasis on combating so-called redlining—a bank’s refusal to lend to residents in certain neighborhoods marked by a hypothetical red line on a map—and other forms of alleged lending discrimination against minority borrowers. “To this day, the lines of segregation remain evident and their impact persists,” CFPB Director Richard Cordray said in a July 19 speech, as he pledged to fight “active discrimination.”







BancorpSouth signed a $10.6 million settlement with the CFPB and the Justice Department on June 29. It didn’t admit wrongdoing and it disputed the findings, though it didn’t specify which parts. The bank also criticized the methods used in the case. “We have concerns with the way the information was collected, and selectively released,” the Tupelo, Miss.. bank said in a statement, adding that it has “zero tolerance for this type of behavior” from employees.





The CFPB’s use of undercover investigators “is a worrisome precedent, because...we see more and more aggressive civil law-enforcement activity by the government, so that civil law enforcement borders on, if not bleeds into, criminal law enforcement,” said Andrew Vollmer, a former deputy general counsel at the Securities and Exchange Commission who now teaches at the University of Virginia’s law school. “What we do not have are the corresponding protections of the criminal law-enforcement system for the accused.”




Sam Gilford, a CFPB spokesman, said the privacy act’s limits pertain to personal information collected from individuals and don’t apply to cases such as that of BancorpSouth, adding, “The Bureau will continue to use all available tools, as the circumstances warrant, to further its mission of protecting consumers from discrimination.”



CFPB critics have previously raised questions about the agency’s tactics, including the agency’s reliance on educated guesses to identify minority borrowers in auto lending discrimination cases and the unusually heavy application of fines for a real-estate transaction law, now contested in court by lender PHH Corp.


In a case revolving around the scope of the CFPB’s investigative authority, a district court in April ruled against the agency’s attempt to compel a college accrediting agency to hand over oral testimony in an investigation.


(Buy/Rent/Layaway)




Spokesmen for the SEC and the Financial Crimes Enforcement Network, the Treasury Department’s anti-money-laundering unit, said their agencies don’t use undercover operations. 





In 2011, criticism from Republican lawmakers prompted the Department of Health and Human Services to drop plans to use mystery shoppers disguised as patients to probe care access at doctors’ offices.


Wireless Camera Finder
(Buy/Rent/Layaway)




In explaining the CFPB’s actions, the agency’s Mr. Gilford said that “testing has long been an investigative tool used by federal agencies” such as the Justice Department and the Department of Housing and Urban Development.
But there appear to be differences between those efforts and the consumer agency’s tactics.







The Justice Department says it does use “testers” for civil fair-housing investigations, although the tactic appears to be applied on a smaller scale than that deployed by the CFPB. It says on its website that the 96 cases resolved using testers since 1992 have yielded a total of $12.9 million in penalties and other damages, about the same size as the single BancorpSouth settlement.






A HUD spokeswoman said the agency doesn’t do undercover investigations itself. But the department does provide funding to nonprofit fair-lending groups that routinely use testers, and HUD uses information gathered by these testers in building its cases.


(Buy/Rent/Layaway)


The Federal Trade Commission also uses undercover tests to confirm whether certain types of firms, including funeral homes, comply with consumer-protection laws. A former director of the FTC’s consumer protection bureau,Lydia Parnes, said the testers “obtained in the shoes of consumers” public information, rather than personal information, so their conduct doesn’t call into question privacy laws, echoing the CFPB argument.




Your questions and comments are greatly appreciated.



Monty Henry, Owner














www.DPL-Surveillance-Equipment.com















































NOW, look in on your home, second home, lake house or office anytime, anywhere from any internet connected PC/Lap-top or Internet active cell phone, including iphone or PDA.

Watch your child's caregiver while sitting at a traffic light or lunch meeting, or check on your business security from the other side of the world. Our built-in hidden video features all digital transmissions providing a crystal clear image with zero interference. With the IP receiver stream your video over the internet through your router, and view on either a PC or smart phone. Designed exclusively for DPL-Surveillance-Equipment, these IP hidden wireless cameras come with multiple features to make the user's experience hassle-free.

NOW, look in on your home, second home, lake house or office anytime, anywhere from any internet connected PC/Lap-top or Internet active cell phone, including iphone or PDA: http://www.dpl-surveillance-equipment.com/wireless_hidden_cameras.html

Watch your child's caregiver while sitting at a traffic light or lunch meeting, or check on your business security from the other side of the world. Our built-in hidden video features all digital transmissions providing a crystal clear image with zero interference. With the IP receiver stream your video over the internet through your router, and view on either a PC or smart phone. Designed exclusively for DPL-Surveillance-Equipment, these IP hidden wireless cameras come with multiple features to make the user's experience hassle-free.

• Remote Video Access

• Video is Recorded Locally To An Installed SD Card (2GB SD Card included)

• Email Notifications (Motion Alerts, Camera Failure, IP Address Change, SD Card Full)

• Live Monitoring, Recording And Event Playback Via Internet

• Back-up SD Storage Up To 32GB (SD Not Included)

• Digital Wireless Transmission (No Camera Interference)

• View LIVE On Your SmartPhone!

Includes:

* Nanny Cameras w/ Remote View
* Wireless IP Receiver
* Remote Control
* A/C Adaptor
* 2GB SD Card
* USB Receiver



FACT SHEET:  HIDDEN NANNY-SPY (VIEW VIA THE INTERNET) CAMERAS

Specifications:

Receiver Specs:

* Transmission Range of 500 ft Line Of Sight
* Uses 53 Channels Resulting In No Interference
* 12V Power Consumption
* RCA Output
* Supports up to 32gig SD

Camera Specs:

* 640x480 / 320x240 up to 30fps
* Image Sensor: 1/4" Micron Sensor
* Resolution: 720x480 Pixels
* S/N Ratio: 45 db
* Sensitivity: 11.5V/lux-s @ 550nm
* Video System: NTSC
* White Balance: Auto Tracking

Make Your Own Nanny Cameras:  Make Tons Of Money In A Booming, Nearly Recession-Proof Industry!


Your Primary Customers Include But Are Not Limited To Anyone In The Private Investigator, Government, Law Enforcement And/Or Intelligence Agencies Fields!

* You Buy Our DVR Boards And We'll Build Your Products! (Optional)









Our New Layaway Plan Adds Convenience For Online Shoppers










DPL-Surveillance-Equipment's layaway plan makes it easy for you to buy the products and services that you want by paying for them through manageable monthly payments that you set. Our intuitive calculator allows you to break down your order's purchase price into smaller payment amounts. Payments can be automatically deducted from your bank account or made in cash using MoneyGram® ExpressPayment® Services and you will receive your order once it's paid in full. Use it to plan and budget for holiday purchases, anniversaries, birthdays, vacations and more!


DPL-Surveillance-Equipment's Customers can now use the convenience of layaway online to help them get through these tough economic times.

We all shop now and then just to face a hard reality -- big credit card bills. However, our latest financing innovation can help you avoid that. Find out why more and more shoppers are checking out DPL-Surveillance-Equipment's e-layaway plan.

If you're drooling over a new nanny camera, longing for a GPS tracker, or wishing for that spy watch, but you're strapped for cash and can't afford to do credit, do what Jennie Kheen did. She bought her iPod docking station (hidden camera w/motion-activated DVR) online using our convenient lay-away plan.

Our online layaway plan works like the old-fashioned service stores used to offer. But, in Kheen's case, she went to DPL-Surveillance-Equipment.com, found the iPod docking station (hidden camera w/motion-activated DVR), then set up a payment plan.

"It's automatically drawn from my account," she said. "I have a budget, $208.00 a month.

In three months, Kheen had paid off the $650.00 iPod docking station. She paid another 3.9 percent service fee, which amounted to about $25.35 (plus $12.00 for shipping) for a total of $687.35.

"You pay a little bit each month," Kheen said. "It's paid off when you get it and you don't have it lingering over your head. It's great."

Flexible payment terms and automated payments make our layaway plan an affordable and fiscally responsible alternative to credit cards.

1. Register:

It's quick, easy and FREE! No credit check required!

2. Shop:

Select the items or service you want and choose "e-layaway" as your payment option. Our payment calculator makes it easy for you to set up your payment terms.

3. Make Payments:

Payments are made on the schedule YOU set. Check your order status or adjust your payments online in a secure environment.

4. Receive Products:

Receive the product shortly after your last payment. The best part, it's paid in full... NO DEBT.

More Buying Power:

* Our lay-away plan offers a safe and affordable payment alternative without tying up your credit or subjecting the purchase to high-interest credit card fees.

No Credit Checks or Special Qualifications:

* Anyone 18 years old or older can join. All you need is an active bank account.

Freedom From Credit Cards:

* If you are near or beyond your credit limit or simply want to avoid high interest credit card fees, our e-layaway is the smart choice for you.

Flexible Payment Schedules:

* Similar to traditional layaway, e-layaway lets you make regular payments towards merchandise, with delivery upon payment in full. Payments are automatically deducted from your bank account or made in cash using MoneyGram® ExpressPayment®

A Tool for Planning Ahead:

* Our e-layaway makes it easy for smart shoppers like you to plan ahead and buy items such as bug detectors, nanny cameras, audio bugs, gps trackers, and more!

No Hidden Charges or Mounting Interest:

Our e-layaway makes shopping painless by eliminating hidden charges and monthly interest fees. Our customers pay a flat transaction fee on the initial purchase price.

NO RISK:

* You have the right to cancel any purchase and will receive a refund less a cancellation fee. See website for details.

Security and Identity Protection:

DPL-Surveillance-Equipment has partnered with trusted experts like McAfee and IDology to ensure the security and integrity of every transaction. Identity verification measures are integrated into our e-layaway system to prevent fraudulent purchases.

Note: Simply Choose e-Lay-Away as a "Payment Option" in The Shopping Cart



DPL-Surveillance-Equipment.com is a world leader in providing surveillance and security products and services to Government, Law Enforcement, Private Investigators, small and large companies worldwide. We have one of the largest varieties of state-of-the-art surveillance and counter-surveillance equipment including Personal Protection and Bug Detection Products.



Buy, rent or lease the same state-of-the-art surveillance and security equipment Detectives, PI's, the CIA and FBI use. Take back control!



DPL-Surveillance-Equipment.com

Phone: (1888) 344-3742 Toll Free USA
Local: (818) 344-3742
Fax (775) 249-9320

Monty@DPL-Surveillance-Equipment.com


Google+ and Gmail
DPLSURVE


Twitter
DPLSURVE


MSN
 Monty@DPL-Surveillance-Equipment.com

AOL Instant Messenger
DPLSURVE32

Skype
Montyl32

Yahoo Instant Messenger
Montyi32

Alternate Email Address
montyi32@yahoo.com

Join my Yahoo Group!

My RSS Feed



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Thursday, August 04, 2016

Consumers File Complaints Directly To Consumer Financial Protection Bureau (CFPB)














Consumers File Complaints Directly To
"Consumer Financial Protection Bureau"














When Katherine Moody noticed in April that the terms of her student loan changed, she typed up a brief note and filed it through the Consumer Financial Protection Bureau’s online complaint portal.




A day later, a representative from Navient Solutions Inc. called and restored the previous terms, scrapping the surprise conditions that would have added about $7,000 to overall payments, Ms. Moody said.





“In dealing with bureaucracy, I have low expectations,” said the 35-year-old librarian at a Wisconsin college. “But this worked out.” A Navient spokeswoman said a letter explaining the change wasn’t received by Ms. Moody before the change occurred.


PRO-DTECH II FREQUENCY DETECTOR
(Buy/Rent/Layaway)


The CFPB’s complaint portal has emerged as a go-to spot for consumers with frustrations about their financial firms. It has burnished the agency’s consumer-advocacy role, while also generating controversy with businesses and some lawmakers.


The bureau began accepting consumer complaints when it opened five years ago this month. It has since handled more than 930,000 consumer complaints on a range of financial services from mortgages and bank accounts to payday loans and virtual currency.



Consumers can opt to make public their verbatim complaints, which the CFPB calls narratives, without their personal information. All public complaints, whether they include narratives or not, name the company and response and note whether it was timely.






Some industry officials and Republican lawmakers say the database is rife with inaccurate information and doesn’t protect consumer privacy. The effort, some say, exemplifies government overreach, increases company expenses and undermines companies’ own procedures for handling customer complaints.







Grumbling intensified last year when the CFPB started publishing the narratives of complaints, a step that opponents say Congress didn’t authorize.





A House bill introduced in June would require the CFPB to verify all claims made in complaints. “Public disclosure of unverified consumer complaint narratives raises significant consumer-privacy issues and risks tarnishing the reputation of individual companies,” said Virginia O’Neill, senior vice president of the American Bankers Association’s Center for Regulatory Compliance.


CFPB Director Richard Cordray calls the database “part of our DNA,” playing an important role guiding the agency’s supervision of companies, enforcement actions, rule making and consumer protection. 




The agency has said that while it doesn’t verify claims made in complaints, it takes steps to authenticate all complaints, including checking documentation and verifying the consumer’s business relationship with the company. The agency says the process gives companies time and space to respond.



The CFPB processes many more complaints than similar programs run by other federal agencies. It handled around 271,600 in 2015, up 8% from 2014. The Transportation Department received 20,170 complaints last year from airline customers, and the Consumer Product Safety Commission’s complaint portal, SaferProducts.gov, also established in 2011 and often compared with the CFPB’s system, received 4,482 comments last year on products from cribs to drywall.


(Buy/Rent/Layaway)




Companies have added staff to answer CFPB complaints swiftly and have begun poring over the database to learn how their products and services measure up against their competition, companies and lawyers say.





Stephen Ross, a partner for Ernst And Young LLP’s fraud investigation and dispute services, describes the database as a “very transparent dataset that really puts the onus on financial institutions to investigate and respond.” Ernst And Young is among a number of firms that coach companies on how to respond to the portal and make use of its data.


Wireless Camera Finder
(Buy/Rent/Layaway)




Once a complaint is filed, the CFPB forwards it to the company, which has 15 days to respond to the CFPB. Complaints can be shared with other government agencies. Companies can resolve cases by providing monetary or nonmonetary relief or explanations to the customer. They can also flag inaccurate complaints. The CFPB says companies respond to 97% of the complaints.








CFPB officials say the agency uses the database to aid its activities in inspection, enforcement and rule making.

Navient, based in Wilmington, Del. and spun off from SLM Corp., also known as Sallie Mae, in 2014, said in its response that the change in her loan terms was prompted by a company review to set all customers at the “maximum term allowed by federal regulations.” Extending the duration of the loan lowers the customer’s monthly payment but increases the total interest paid over the life of the loan.





Earlier, citing some 1,300 complaints sent to the CFPB, the Justice Department ordered Navient and Sallie Mae in 2014 to pay back a total of $60 million to nearly 78,000 service members for allegedly overcharging on student loans. In settling the charges, the companies didn’t admit or deny the allegations.


(Buy/Rent/Layaway)


The company reviews customer comments in the database “to leverage their feedback to improve and enhance our service...and to make recommendations to policy makers on legislative and regulatory changes,” said Navient spokeswoman Patricia Christel.




Your questions and comments are greatly appreciated.



Monty Henry, Owner














www.DPL-Surveillance-Equipment.com















































NOW, look in on your home, second home, lake house or office anytime, anywhere from any internet connected PC/Lap-top or Internet active cell phone, including iphone or PDA.

Watch your child's caregiver while sitting at a traffic light or lunch meeting, or check on your business security from the other side of the world. Our built-in hidden video features all digital transmissions providing a crystal clear image with zero interference. With the IP receiver stream your video over the internet through your router, and view on either a PC or smart phone. Designed exclusively for DPL-Surveillance-Equipment, these IP hidden wireless cameras come with multiple features to make the user's experience hassle-free.

NOW, look in on your home, second home, lake house or office anytime, anywhere from any internet connected PC/Lap-top or Internet active cell phone, including iphone or PDA: http://www.dpl-surveillance-equipment.com/wireless_hidden_cameras.html

Watch your child's caregiver while sitting at a traffic light or lunch meeting, or check on your business security from the other side of the world. Our built-in hidden video features all digital transmissions providing a crystal clear image with zero interference. With the IP receiver stream your video over the internet through your router, and view on either a PC or smart phone. Designed exclusively for DPL-Surveillance-Equipment, these IP hidden wireless cameras come with multiple features to make the user's experience hassle-free.

• Remote Video Access

• Video is Recorded Locally To An Installed SD Card (2GB SD Card included)

• Email Notifications (Motion Alerts, Camera Failure, IP Address Change, SD Card Full)

• Live Monitoring, Recording And Event Playback Via Internet

• Back-up SD Storage Up To 32GB (SD Not Included)

• Digital Wireless Transmission (No Camera Interference)

• View LIVE On Your SmartPhone!

Includes:

* Nanny Cameras w/ Remote View
* Wireless IP Receiver
* Remote Control
* A/C Adaptor
* 2GB SD Card
* USB Receiver



FACT SHEET:  HIDDEN NANNY-SPY (VIEW VIA THE INTERNET) CAMERAS

Specifications:

Receiver Specs:

* Transmission Range of 500 ft Line Of Sight
* Uses 53 Channels Resulting In No Interference
* 12V Power Consumption
* RCA Output
* Supports up to 32gig SD

Camera Specs:

* 640x480 / 320x240 up to 30fps
* Image Sensor: 1/4" Micron Sensor
* Resolution: 720x480 Pixels
* S/N Ratio: 45 db
* Sensitivity: 11.5V/lux-s @ 550nm
* Video System: NTSC
* White Balance: Auto Tracking

Make Your Own Nanny Cameras:  Make Tons Of Money In A Booming, Nearly Recession-Proof Industry!


Your Primary Customers Include But Are Not Limited To Anyone In The Private Investigator, Government, Law Enforcement And/Or Intelligence Agencies Fields!

* You Buy Our DVR Boards And We'll Build Your Products! (Optional)









Our New Layaway Plan Adds Convenience For Online Shoppers










DPL-Surveillance-Equipment's layaway plan makes it easy for you to buy the products and services that you want by paying for them through manageable monthly payments that you set. Our intuitive calculator allows you to break down your order's purchase price into smaller payment amounts. Payments can be automatically deducted from your bank account or made in cash using MoneyGram® ExpressPayment® Services and you will receive your order once it's paid in full. Use it to plan and budget for holiday purchases, anniversaries, birthdays, vacations and more!


DPL-Surveillance-Equipment's Customers can now use the convenience of layaway online to help them get through these tough economic times.

We all shop now and then just to face a hard reality -- big credit card bills. However, our latest financing innovation can help you avoid that. Find out why more and more shoppers are checking out DPL-Surveillance-Equipment's e-layaway plan.

If you're drooling over a new nanny camera, longing for a GPS tracker, or wishing for that spy watch, but you're strapped for cash and can't afford to do credit, do what Jennie Kheen did. She bought her iPod docking station (hidden camera w/motion-activated DVR) online using our convenient lay-away plan.

Our online layaway plan works like the old-fashioned service stores used to offer. But, in Kheen's case, she went to DPL-Surveillance-Equipment.com, found the iPod docking station (hidden camera w/motion-activated DVR), then set up a payment plan.

"It's automatically drawn from my account," she said. "I have a budget, $208.00 a month.

In three months, Kheen had paid off the $650.00 iPod docking station. She paid another 3.9 percent service fee, which amounted to about $25.35 (plus $12.00 for shipping) for a total of $687.35.

"You pay a little bit each month," Kheen said. "It's paid off when you get it and you don't have it lingering over your head. It's great."

Flexible payment terms and automated payments make our layaway plan an affordable and fiscally responsible alternative to credit cards.

1. Register:

It's quick, easy and FREE! No credit check required!

2. Shop:

Select the items or service you want and choose "e-layaway" as your payment option. Our payment calculator makes it easy for you to set up your payment terms.

3. Make Payments:

Payments are made on the schedule YOU set. Check your order status or adjust your payments online in a secure environment.

4. Receive Products:

Receive the product shortly after your last payment. The best part, it's paid in full... NO DEBT.

More Buying Power:

* Our lay-away plan offers a safe and affordable payment alternative without tying up your credit or subjecting the purchase to high-interest credit card fees.

No Credit Checks or Special Qualifications:

* Anyone 18 years old or older can join. All you need is an active bank account.

Freedom From Credit Cards:

* If you are near or beyond your credit limit or simply want to avoid high interest credit card fees, our e-layaway is the smart choice for you.

Flexible Payment Schedules:

* Similar to traditional layaway, e-layaway lets you make regular payments towards merchandise, with delivery upon payment in full. Payments are automatically deducted from your bank account or made in cash using MoneyGram® ExpressPayment®

A Tool for Planning Ahead:

* Our e-layaway makes it easy for smart shoppers like you to plan ahead and buy items such as bug detectors, nanny cameras, audio bugs, gps trackers, and more!

No Hidden Charges or Mounting Interest:

Our e-layaway makes shopping painless by eliminating hidden charges and monthly interest fees. Our customers pay a flat transaction fee on the initial purchase price.

NO RISK:

* You have the right to cancel any purchase and will receive a refund less a cancellation fee. See website for details.

Security and Identity Protection:

DPL-Surveillance-Equipment has partnered with trusted experts like McAfee and IDology to ensure the security and integrity of every transaction. Identity verification measures are integrated into our e-layaway system to prevent fraudulent purchases.

Note: Simply Choose e-Lay-Away as a "Payment Option" in The Shopping Cart



DPL-Surveillance-Equipment.com is a world leader in providing surveillance and security products and services to Government, Law Enforcement, Private Investigators, small and large companies worldwide. We have one of the largest varieties of state-of-the-art surveillance and counter-surveillance equipment including Personal Protection and Bug Detection Products.



Buy, rent or lease the same state-of-the-art surveillance and security equipment Detectives, PI's, the CIA and FBI use. Take back control!



DPL-Surveillance-Equipment.com

Phone: (1888) 344-3742 Toll Free USA
Local: (818) 344-3742
Fax (775) 249-9320

Monty@DPL-Surveillance-Equipment.com


Google+ and Gmail
DPLSURVE


Twitter
DPLSURVE


MSN
 Monty@DPL-Surveillance-Equipment.com

AOL Instant Messenger
DPLSURVE32

Skype
Montyl32

Yahoo Instant Messenger
Montyi32

Alternate Email Address
montyi32@yahoo.com

Join my Yahoo Group!

My RSS Feed



Bookmark and Share