“HIGH PRESSURE:” Swift Home Loans Caught in TCPA Class Action Alleging Aggressive Cold Calling

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Interesting complaint filed against Swift Home Loans down in Florida.

These guys are allegedly hammering consumers with cold calls using trigger leads and then pretending to be the original mortgage source:

Defendant uses these leads as part of a high-pressure business model
aimed at intercepting consumers in the middle of their loan process or after it has
closed with another lender. Swift Home Loans then sends unsolicited telemarketing
text messages and calls to these consumers, often misrepresenting itself as affiliated
with the consumer’s existing lender or mortgage transaction. This practice not only
violates consumers’ privacy expectations, particularly for those listed on the National
Do Not Call Registry, but also contributes to widespread confusion, annoyance, and
harassment.

The allegations continue, quoting online reports:

My friend works there. He’s an absolute machine. This is all true. Those
guys are insane. They are literally the car salesman of mortgages. They wake up 5
AM, work out. Then after hitting the gym, They talk about how to grow their business. Then they get on the dials and dial the hell out of the world. And they
have every single product memorized by heart.

Another portion alleges:

 They are the country’s worst offenders when it comes to credit triggers. They are almost exclusively ex rocket mortgage employees, generally the ones that were liars and manipulators on the phones. They are high skilled and highly motivated, killers. They call on triggers and pretend to be the original source of the credit pull, like literally saying they are the company that the person was working with calling from a different number. They will call a client many times on repeat day in and day out, bombarding them until they pick up…”

Eesh. Pretty bad stuff– if it is true.

The complaint seeks to represent a class of all individuals that were on the national DNC list at the time they received unsolicited text messages.

Ironically, however, this case is being brought in the very same district where another court just held SMS messages like the type received by the Plaintiff here are NOT actionable.

Will be very interesting to see if Plaintiff pushes the case forward or walks into a settlement now in light o the new case law development.

We will keep an eye on this.

Full complaint here: Swift Mortgage Complaint

And if you want your company to avoid being sued in case like this be sure to retain Troutman Amin, LLP. Our world-class TCPA compliance team can assist and keep you safe!

THE FIRST $6K AN HOUR ATTORNEY?: Troutman Amin, LLP Rates Set to Rise January 1, 2026– Get In Now!

Chat soon.

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Published by Eric "Czar" Troutman

The Czar of TCPAWorld Eric Troutman is one of the country’s prominent class action defense lawyers and is nationally recognized in Telephone Consumer Protection Act (TCPA) litigation and compliance. He has served as lead defense counsel in more than 70 national TCPA class actions and has litigated nearly a thousand individual TCPA cases in his role as national strategic litigation counsel for major banks and finance companies. He also helps industry participants build TCPA-compliant processes, policies, and systems. Eric has built a national litigation practice based upon deep experience, rigorous analysis and extraordinary responsiveness. Eric and his team feel equally at home litigating multibillion dollar telecommunications class actions in federal court as they do developing and executing national litigation strategies for institutions facing an onslaught of individual TCPA matters. They thrive in each of these roles – delivering consistently excellent results – while never losing sight of the client experience. While many firms now tout TCPA expertise, Eric has been there from the beginning. He built one of the country’s first TCPA-only defense teams and began serving as national TCPA counsel for his clients nearly a decade ago. This perspective allows him to swiftly develop the right litigation strategies for dealing with recurring problems, without wasting time on tactics that are bound to fail. Eric’s rich historical perspective and encyclopedic knowledge of the TCPA landscape also make him an invaluable resource to institutional compliance teams struggling to comply with the shifting regulatory landscape. No task is too small – or too big. Indeed, Eric and his team have helped build TCPA-compliant systems and processes for some of the largest and most complex corporate entities in the country. He commonly works with in-house compliance counsel to build and implement enterprise and business-line specific TCPA solutions, performs TCPA audits and drafts and reviews proposed TCPA policies and procedures. He and his team also have the technical expertise necessary to assist call centers seeking to develop TCPA-resistant call path architecture or to modify existing telephony and software integration to better insulate from potential TCPA exposure. Eric has built a reputation for thought leadership. An avid blogger and speaker, he has been at the forefront of the industry’s effort to push for clarity and a return to sanity for the TCPA for years. He was selected to advocate for the financial services industry on important TCPA issues before the Federal Communications Commission and co-authored the nation’s only comprehensive practice guide on TCPA defense. In his spare time, Eric leads defense teams representing banks and other financial services companies in consumer finance litigation matters. He has experience representing clients in UCC, TILA, RESPA FCRA, CCRA, CLRA, FDCPA, RFDCPA and FCCPA claims, as well as in fraud and bank operations issues.

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