Dеfendants each move pursuant to Rule 12(b)(6), Fed.R.Civ.P., to dismiss plaintiffs’ Class Action First Amended Complaint (hereinafter “complaint”) for failure to state a claim upon which relief can be granted. For the following reasons, defendants’ motions are granted and the complaint is dismissed.
BACKGROUND
Plaintiffs Edward and Eileen Conboy bring this class action against defendant AT & T Corp. (hereinafter “AT & T”) alleging violations of the Federal Telecommunications Act (hereinafter “Telecommunications Act” or “Act”), 47 U.S.C. §§ 151 et seq., and regulations promulgated under the Act by the Federal Communications Commission (hereinafter “FCC”), 47 C.F.R. §§ 51.217 and 64.1201. They also assert claims against AT & T under the Fair Debt Collection Practices Act (hereinafter “FDCPA”), 15 U.S.C. §§ 1692 et seq., and New York General Business Law (hereinafter “N.Y. Gen. Bus. Law”) § 349. Finally, plaintiffs assert a claim against AT & T for common law intentional infliction of emotional distress. Plaintiffs bring this class action against defendant AT & T Universal Card Services Corp. (hereinafter “UCS”) alleging a violation of N.Y. Gen. Bus. Law § 349, and asserting a claim for common law intentional infliction of emotional distress.
I. Parties
Plaintiffs are individuals residing in New York State. They are customers of AT & T. AT & T is a New York corporation with its principal executive offices located in New Jersey. Plaintiffs allege that AT & T is subject to the mandates of the Telecommunications Act and FCC regulations.
UCS is a Delaware corporation with its principal place of business in Florida. According to the complaint, UCS was AT & T’s credit card unit and consumers could receive AT & T Universal Visa or MasterCard credit cards through UCS. UCS was a subsidiary or affiliate of AT & T until April 2, 1998, when AT & T transferred UCS to Citicorp, an entity unaffiliated with AT & T.
II. Factual Allegations
The facts are taken from plaintiffs’ complaint and are assumed to be true for purposes of this motion. AT & T provides plaintiffs’ long-distance telephone service. It charges plaintiffs for long distance telephone calls through an itemized billing statement. The statement contains information concerning the number and type of calls made, the telephone number from which the calls originated, the date the calls were made, the destination and telephone numbers called, as well as the time, rate and cost of each call.
Plaintiffs pay a monthly fee for non-published service, which is designed to prevent the release of customers’ unlisted names, addresses, and telephone numbers. Accordingly, plaintiffs’ personal information was neither available in any directory nor accessible through directory assistance. Moreover, plaintiffs never authorized the release of any of this information to UCS, Citicorp, or any other entity.
Plaintiffs allege that AT & T has disseminated their customer proprietary network information (hereinаfter “CPNI”), 1 telephone bill information, unlisted telephone numbers, and billing names and addresses to UCS, Citicorp, and other entities without plaintiffs’ consent. According to plaintiffs, AT & T continues to disclose this information.
Maria Conboy is plaintiffs’ adult daughter-in-law. She applied for, and received an AT & T Universal MasterCard through
From May to June 1998, representatives of UCS telephoned plaintiffs at their unlisted home telephone number between thirty and fifty times seeking information rеgarding Maria Conboy’s whereabouts. The telephone calls were made repeatedly and at unusual hours. Plaintiffs informed representatives of UCS that their daughter-in-law did not reside with them and requested that the telephone calls cease.
On or about June 28, 1998, Andrew Coleman, a representative of UCS, telephoned plaintiffs at their home requesting information about Maria Conboy. During the conversation, Coleman revealed that he knew plaintiffs’ unlisted personal information. He also suggested that he knew the details of plaintiffs’ telephone bill, including the cost and destination of telephone calls made by plaintiffs.
Plaintiffs allege that AT & T is using customers’ billing statements not only to provide customers with details of their service charges, but also to help UCS and other entities collect credit card debts. They also claim that the statements do not provide a clear warning that AT & T is assisting third parties in collecting a debt, and that customers’ information may be used for that purpose.
DISCUSSION
I. Standard for Motion to Dismiss
Defendants move to dismiss plaintiffs’ complaint for failure to state a claim upon which relief can be granted pursuant to Rule 12(b)(6), Fed.R.Civ.P. In deciding such a motion, the Court must accept as true the factual allegations set forth in the complaint and must draw all reasonable inferences in plaintiffs’ favor.
See Hishon v. King & Spalding,
II. Count I Alleging Violations of 47 U.S.C. § 222(c), and 47 C.F.R. §§ 51.217(c)(3)(iii) and 64.1201(c)(2) Against AT & T
A. Private Action For Damages Based on a Violation of Section 222(c)
Plaintiffs allege that AT & T violated Section 222(c) of the Telecommunications Act. That section governs the proper use of CPNI and provides:
Exсept as required by law or with the approval of the customer, a telecommunications carrier that receives or obtains customer proprietary network information by virtue of its provision of a telecommunications service shall only use, disclose, 'or permit access to individually identifiable customer proprietary network information in its provision of (A) the telecommunications service from which such information is derived, or (B) services necessary to, or used in, the provision of such telecommunications service, including the publishing of directories.
47 U.S.C. § 222(c)(1).
Sections 206 and 207 of the Telecommunications Act govern private rights
In
RCA Global Communications, Inc. v. Western Union Tel. Co.,
Sections 206 and 207 of the [Telecommunications Act] by their terms provide a private cause of action for a party damaged by another’s violation of the [Telecommunications Act]. [Plaintiff] has failed to allege any damage flowing from the lack of a tariff or to articulate any possible damages which it may be able to prove at trial.
Id.
at 1006 (emphasis in the original).
See also In re Matter of Communications Satellite Corp.,
AT & T moves to dismiss Count I on the ground that plaintiffs have no private right of action to enforce Section 222 because they have not suffered damages as required by Sections 206 and 207. Plaintiffs counter that they have suffered damages.
3
First, they argue that they
Plaintiffs’ first argument must fail because, as AT & T correctly points out, the fee for non-published service to which plaintiffs refer, is paid to Bell Atlantic, and not AT & T. Plaintiffs’ telephone bill dated May 7, 1998, attached to the complaint as Exhibit 1 (hereinafter “Ex. 1”), is divided into two sections: the first for Bell Atlantic charges and the second for AT & T charges. Page “2 of 4” of the Bell Atlantic portion of the bill indicates that plaintiffs pay $1.95 for “non-published service.” Comрlaint, Ex. 1. There is no similar charge in the AT & T portion of the bill. The portion of the final amount due on the total bill that is attributable to AT & T is $23.54. This amount is made up of “Service order/other charges and credits,” ($.95) (which, as indicated in another part of the AT & T portion of the bill, is for a “Carrier Line Charge”), “Itemized calls” ($20.60), “Statedocal surcharges” ($.84), “Federal Tax” ($.66), and “State and Local Taxes” ($.49). Complaint, Ex. 1. None of these payments is for non-published service. Therefore, plaintiffs’ argument that they suffered damages because of the fee they paid for non-published service must fail. 4
Plaintiffs’ second argument in support of their claim for damages must also fail. They argue that their payments to AT & T for AT & T service includes payment for the privacy protections of the Telecommunications Act, and that AT & T’s disclosure of plaintiffs’ private information deprived them of the value of this payment. Plaintiffs’ argument cannot support a claim for damages because there is no monetary value attached to AT & T’s compliance with the Telecommunications Act. By paying AT & T $23.54 plaintiffs got what they paid for, namely, long distance service. As discussed above with reference to plaintiffs’ AT & T bill, every penny paid to AT & T is accounted for, either in the form of itemized charges, surcharges, or taxes. In order to find that plaintiffs paid AT & T to abide by the Telecommunications Act, the Court would have to find that payment to AT & T for long distance service implicitly includes payment for AT & T’s compliance with the Act. However, the Court cannot do this. AT & T is required to comply with the provisions of the Telecommunications Act, not because it receives a fee from its customers, but because it is a common carrier governed by the Act. Plaintiffs сoncede as much in their complaint by alleging that AT & T is subject to the Telecommunications Act because it is a “common carrier” under 47 U.S.C. § 153(10). See Complaint at ¶ 7. They do not allege that AT & T is subject to the Act because it receives fees from its customers.
In sum, although plaintiffs have alleged that AT
&
T has violated the Telecommunications Act, they have not demonstrated
B. Private Action for Damages Based on a Violation of 47 C.F.R. §§ 51.217(c)(3)(iii) and 64.1201(c)(2) Against AT & T
Plaintiffs allege in Count I that AT & T violated FCC regulations promulgated under the Telecommunications Act. In particular, plaintiffs contend that AT & T violated 47 C.F.R. § 51.217(c)(3)(iii), which states that a local exchange carrier (hereinafter “LEC”) “shall not provide access to unlisted telephone numbers, or othеr information that its customer has asked the LEC not to make available.” They also contend that AT & T violated 47 C.F.R. § 64.1201(c)(2), which prevents a telecommunications service provider from disclosing the billing name and address information of any subscriber to any third party.
AT & T moves to dismiss this portion of the complaint on the grounds that plaintiffs have no private right of action to enforce AT & T’s alleged violations of FCC regulations. Plaintiffs do not directly address this issue in their papers. Nevertheless, the Court has considered the issue and agrees with AT & T that plaintiffs do not have a private right of action;
“The primary source of a private right of action is the text of a statute,”
American Tel. & Tel. Co. v. M/V Cape Fear,
Furthermore, the text of the Telecommunications Act is unhelрful in determining whether a private right of action exists to enforce FCC regulations. As discussed above, plaintiffs do have a private right of action under Sections 206 and 207 of the Telecommunications Act for damages suffered as a result of a violation of the Act. However, those sections do not apply to FCC regulations. Both sections apply exclusively to violations of “this chapter,” meaning violations of the Telecommunications Act itself. See, e.g., Peter W. Huber, Michael K. Kellogg, John Thorne, Federal Telecommunications Law, § 3.14.3 at 317 (2d ed.1999) (hereinafter “Huber”) (“The section 206 right of action encompasses only claims that a carrier has violated the Act, not for example, violations of FCC regulations or general tort or contract claims.”) (emphasis in original). No other provision of the Act addresses a private right of action to enforce FCC regulations.
Because there is nothing in the regulations or Telecommunications Act expressly prohibiting or providing for a private right of action, the Court must decide whether one can be implied.. In
Cort v. Ash,
The first question is whether the Telecommunications Act and regulations promulgated thereunder were enacted for the benefit of a special class of which plaintiffs are members. The Court finds that they were not. In
M/V Cape Fear
the court found that although the Submarine Cable Act, 47 U.S.C. §§ 21-39, must have been passed with certain beneficiaries in mind, it did not clearly establish a private right of action for any particular class.
Turning to the second factor, it does not appear that Congress or the drafters of the regulations at issue here intended to create a private right of action on behalf of plaintiffs because doing so would conflict with the broad powers Congress gave to the FCC. The FCC was created in order to centralize authority with respect to telecommunications and other forms of interstate wire and radio communications. 47 U.S.C. § 151. Pursuant to this role, the FCC is primarily responsible for the interpretation and implementation of the Telecommunications Act and FCC regulations.
See, e.g., id.
(granting to the FCC the power to “execute and enforce the provisions of’ the Telecommunications Act). These broad powers granted to the FCC to enforce the Act would be inconsistent with a private right of action because “[pjrivate litigation tends to transfer regulatory interpretation and discretion from the agency to the courts,”
Caceres Agency, Inc. v. Trans World Airways, Inc.,
594
Finally, as discussed above, when Congress created a private right of action to enforce the Telecommunications Act, it limited that right to enforcement of the Act itself. It did not create а private right of action to enforce FCC regulations. This Court is wary of “alter[ing] the congressional design with remedies of its own choosing,”
Caceres,
Accordingly, the portion of Count I of the complaint that alleges a violation of these regulations is dismissed.
C. Injunctive Relief Under the Telecommunications Act
Plaintiffs seek to enjoin AT & T ft-om violating Section 222 of the Telecommunications Act. AT & T argues that the Act does not authorize injunctive relief under the circumstances of this case. The Court agrees.
An action under Sections 206 and 207 of the Telecommunications Act is limited to liability for damages and therefore cannot be the basis for injunctive relief. Section 401(a) of the Act provides for injunctive relief, but only when an application is brought by the United States Attorney Genеral at the request of the FCC.
Speech v. Reno,
No. 98 CIV. 2680(MBM),
In
Porter,
the Supreme Court addressed whether a federal court has the power to order restitution of rents under the Emergency Price Control Act of 1942. Section 205(a) of that statute authorized federal courts to enjoin practices that violated the statute, but did not specifically grant courts the power to order restitution of rents. The Court held that where a statute creates federal court jurisdiction to order an equitable remedy, all inherent equitable powers of the district court are available for the proper and complete exercise of that jurisdiction unless otherwise provided by statute.
Porter,
the comprehensiveness of this equitable jurisdiction is not to be denied or limited in the absence of a clear and valid legislative command. Unless a statute in so many words, or by a necessary and inescapable inference, restricts the court’s jurisdiction in equity, the full scope of that jurisdiction is to be recognized and applied.
Id.
at 398,
However, unlike
Porter,
this Court’s jurisdiction to enjoin violations of the Telecommunications Act cannot be invoked by plaintiffs, and therefore, the Court cannot exercise its inherent equitable powers. If this Court’s equity jurisdiction were invoked by application of the United States Attorney General at the request of the FCC, as is required by Section 401(a), then under
Porter
and its progeny, the Court would be free to exercise its inherent equitable powers to grant full and complete injunctive relief.
See, e.g., Porter,
The Court has determined that plaintiffs have not suffered damages under Sections 206 and 207, have no private right of action under the FCC regulations, and no private right of action for injunctive relief. Therefore, Count I of the complaint is dismissed in its entirety for failure to state a claim upon which relief can be granted.
III. Count II Alleging a Violation of the FDCPA, 15 U.S.C. § 1692e(ll) Against AT & T
In Count II, plaintiffs assert that AT
&
T’s failure to disclose in plaintiffs’
AT
&
T first moves to dismiss Count II on the ground that AT & T is not a “debt collector.” The Court finds that plaintiffs have adequately alleged that AT
&
T is a “debt collector” under the FDCPA. In relevant part, a “debt collector” is defined as “any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any dеbts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.” 15 U.S.C. § 1692a(6). Plaintiffs allege that AT & T is a debt collector because it collects or attempts to collect, directly or indirectly, debts owed to another. Complaint at ¶ 7. The Court accepts that this allegation is true as it must for purposes of this motion to dismiss.
See Jenkins v. Heintz,
AT & T next claims that plaintiffs have not stated a claim under Section 1692e(ll) because they are not “consumers” under the FDCPA. Section 1692e(ll) makes it a violation to fail to disclose debt сollection information in communications “with the consumer.” The term “consumer” is defined as “any natural person obligated or allegedly obligated to pay any debt.” 15 U.S.C. § 1692a(3). Plaintiffs concede that they do not fall under this definition because they are not obligated or allegedly obligated to pay their daughter-in-law’s debt to UCS. Since plaintiffs are not consumers under the statute and Section 1692e(ll) only regulates the disclosure of information to “the consumer,” AT & T’s failure to disclose to plaintiffs that it was assisting in the collection of a debt does not violate Section 1692e(ll).
The Court notes that other subsections of Section 1692e are not limited to communications with consumers, and therefore, plaintiffs may have been able to state a claim for a violation of one of these other subsections.
9
Furthermore, Section 1692e presеnts a non-exhaustive list of
IV. Counts III and IV Alleging State Law Claims Against AT & T
Plaintiffs have asserted state law claims against AT & T in Counts III and IV of the complaint. Having dismissed all federal claims brought by plaintiffs, the Court declines to exercise supplemental jurisdiction over plaintiffs’ state law claims and dismisses those claims pursuant to 28 U.S.C. § 1367(c)(3).
See, e.g., Puerto Rico Tel. Co. v. Telecommunications Regulatory Bd. of Puerto Rico,
V. Count V Alleging A Violation of N.Y. Gen. Bus. Law § 349 Against UCS
In Count V, plaintiffs allege that UCS violated N.Y. Gen. Bus. Law § 349(a) by engaging in [deceptive acts or practices.” N.Y. Gen. Bus. Law § 349(a). To state a claim under Section 349(a), plaintiffs must allege a material deceptive act or practice directed to consumers that caused actual harm.
Marcus v. AT&T Corp.,
Plaintiffs allegе that UCS has engaged in “deceptive acts or practices” in violation of Section 349 by violating a different provision of the N.Y. Gen. Bus. Law, Section 601(6). That section provides: “No principal creditor, as defined by this article, or his agent shall: ... (6) Communicate with
Plaintiffs allege in their complaint that UCS violated Section 349 by calling plaintiffs numerous times at unusual hours. Complaint at ¶¶ 99-100. While this conduct may be reprehensible and harassing, it is not deceptive because there is no indication that the telephone calls were for any purpose other than for what they purported to be.
Moreover, by alleging that a violation of Section 601 necessarily constitutes a deceptive act under Section 349, plaintiffs are trying to avoid the lack of a private right of action to enforce Section 601. Under the enforcement provision for Section 601, “[t]he attorney general оr the district attorney of any county may bring an action in the name of the people of the state to restrain or prevent any violation of this article or any continuance of any such violation.” N.Y. Gen. Bus. Law § 602(2). Allowing plaintiffs to plead a cause of action under Section 601(6) by alleging that a violation of that statute necessarily constitutes a deceptive act under Section 349 appears contrary to the New York Legislature’s intent and inconsistent with the statutory scheme. The Legislature, by creating a private right of action to enforce Section 349, clearly did not intend to authorize private enforcement of Section 601, especially where Section 601 contains its own enforcement provision which explicitly dictates who can enforce that section. Therefore, plaintiffs cannot state a claim for deceptive acts under Section 349 merely by alleging a violation of Section 601(6).
Accordingly, the Court finds that plaintiffs have failed to state a claim against UCS under N.Y. Gen. Bus. Law § 349 and therefore, UCS’ motion to dismiss Count V of the complaint is granted.
YI. Count VI Alleging Common Law Intentional Infliction of Emotional Distress Against UCS
In Count VI, plaintiffs allege that UCS is liable to plaintiffs for intentional infliction of emotional distress. Under New York law, a claim for intentional
Satisfying the first element of this claim is difficult, even at the pleadings stage. In
Howell,
the court stated that “the ‘requirements of the rule are rigorous, and difficult to satisfy.’ ”
The requirement thаt defendants engage in extreme and outrageous conduct “serves the dual function of filtering out petty and trivial _ complaints that do not belong in court, and assuring that plaintiffs claim of severe emotional distress is genuine.”
Howell,
Plaintiffs allege that UCS repeatedly called plaintiffs at unusual hours in an attempt to collect their daughter-in-law’s debt. Complaint at ¶ 108. The Court finds that this conduct is not “so outrageous in character, and so extreme in degree, as to go beyond all possible bounds of decency, and to be regarded as atrocious, and utterly intolerable in a civilized society.’ ”
Stuto,
Plaintiffs cite
Teng v. Metropolitan Retail Recovery Inc.,
Accordingly, UCS’ motion to dismiss Count VI of the complaint is granted.
CONCLUSION
For the foregoing reasons, defendants’ motions to dismiss are granted, and the Class Action First Amended Complaint is dismissed in its entirety.
It is so ordered.
Notes
. In relevant part, CPNI means "information contained in the bills pertaining to telephone exchange service or telephone toll service received by a customer of a carrier; except that such term does not include subscriber list information.” 47 U.S.C. § 222(i)(l)(B).
. Section 206 provides:
In case any common carrier shall do, or cause or permit to be done, any act, matter, or thing in this chapter prohibited or declared to be unlawful, or shall omit to do any act, matter, or thing in this chapter required to be done, such common carrier shall be liable to the pеrson or persons injured thereby for the full amount of damages sustained in consequence of any such violation of the provisions of this chapter, together with a reasonable counsel or attorney’s fee, to be fixed by the court in every case of recoveiy, which attorney's fee shall be taxed and collected as part of the costs in the case.
47 U.S.C. § 206.
Section 207 provides:
Any person claiming to be damaged by any common carrier subject to the provisions of this chapter may either make complaint to the Commission as hereinafter provided for, or may bring suit for the recovery of the damages for which such common carrier may be liable under the provisions of this chapter, in any district court of the United States of competent jurisdiction; but such person shall not have the right to pursue both such remedies.
47 U.S.C. § 207.
. Plaintiffs argue in the altеrnative that they do not have to prove damages because damages are presumed. However, the FCC and at least one other district court to address the issue, have concluded that damages are not presumed for violations of the Telecommunications Act.
See In re Communications Satellite Corp.,
The Court also notes that cases brought under the Interstate Commerce Act (hereinafter "ICA”), on which the Telecommunications Act is modeled, are persuasive authority in interpreting analogous provisions of the Telecommunications Act.
See Swain v. AT&T Corp.,
No. CivA3:94-CV-1088-D,
. Plaintiffs have only included one telephone bill in their complaint and they have not indicated that other statements differ from the one attached to their complaint.
. Even if plaintiffs did benefit from the protections of the particular regulations at issue in this case, the Court would not necessarily imply a private right of action on their behalf. "The focus of the Act is the general public, with the FCC, not the private litigant, as its champion.... '[T]he mere fact that [a] statute was designed to protect [certain groups] does not require the implication of a private cause of action for damages on their behalf.’"
Lechtner v. Brownyard,
. Section 401(a) slates:
The district courts of the United States shall have jurisdiction, upon application of the Attorney General of the United States at the request of the Commission, alleging a fаilure to comply with or a violation of any of the provisions of this chapter by any person, to issue a writ or writs of mandamus commanding such person to comply with the provisions of this chapter.
47 U.S.C. § 401(a). Although the statute refers to "writs of mandamus," it authorizes injunctive relief.
United States v. Medina,
. The Telecommunications Act does contain certain exceptions to the general rule against private actions for injunctive relief. First, private litigants are entitled to enforce FCC "orders.” See 47 U.S.C. § 401(b) ("If any person fails or neglects to obey any order of the Commission other than for the payment of money, while the same is in effect, the Commission or any party injured thereby, or the United States, by its Attorney General, may apply to the appropriate district court of the United States for the enforcement of such order.”) (emphasis added). Second, private injunctive relief is availablе where a carrier is violating a provision of the Act and the private litigant is prevented from "receiving service in interstate or foreign communication by wire." 47 U.S.C. § 406.
In addition to these enforcement provisions, Section 227 of the Telecommunications Act, governing restrictions on the use of telephone equipment, provides for a private right
. The full text of Section 1692e(l 1) states:
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any dеbt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
(11) The failure to 'disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
15 U.S.C. § 1692e(ll).
. In addition to possibly stating a claim under the other subsections of 1692e, plaintiffs may have been able to state a claim under other sections of the FDCPA. The protection of the FDCPA is not limited to the stаtutory definition of "consumer” under Section 1692a(3), but is broad enough to encompass "any person” as that term is used in Section 1692k. Section 1692k, which is the general enforcement provision of the FDCPA, states, "[e]x-cept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect
. Although the Court will not exercise supplemental jurisdiction over plaintiffs' state law claims against AT & T, the Court will address plaintiffs' state law claims against UCS. While plaintiffs have not invoked diversity jurisdiction pursuant to 28 U.S.C. § 1332(a), and have not alleged that the amount in controversy exceeds $75,000, the complaint appears to suggest that diversity does exist between plaintiffs and UCS, and therefore, the Court has determined that it should address these claims. See Complaint at ¶¶ 5, 6, and 8.
. For example, conduct violating other subsections of Section 601 might be a violation of Section 349 because these subsections refer to deceptive conduct. They state:
No principal creditor, as defined by this article, or his agent shall:
(1) Simulate in any manner a law enforcement officer, or a representative of any governmental agency of the state of New York or аny of its political subdivisions; or '
(2) Knowingly collect, attempt to collect, or assert a right to any collection fee, attorney's fee, court cost or expense unless such cha[r]ges are justly due and legally chargeable against the debtor; or
(3) Disclose or threaten to disclose information affecting the debtor’s reputation for credit worthiness with knowledge or reason to know that the information is false; or
(7) Threaten any action which the principal creditor in the usual course of his business does not in fact take; or
(8) Claim, or attempt to threaten to enforce a right with knowledge or reason to know that the right does not exist; or
(9) Use a communication which simulates in any manner legal or judicial process or which gives the appearance of being authorized, issued or approved by a government, governmental agency or attorney at law when it is not.
N.Y. Gen. Bus. Law § 601(1), (2), (3), (7), (8), (9).
. Plaintiffs point out that N.Y. Gen. Bus. Law § 601(6), discussed supra, prohibits UCS’ conduct. Section 601(6) prohibits communications "with the debtor or any member of his family or household with such frequency or at such unusual hours or in such a manner as can reasonably be expected to abuse or harass the debtor.” N.Y. Gen. Bus. Law § 601(6). While UCS’ conduct may violate Section 601(6), this does not necessarily mean that it constitutes extreme and outrageous conduct.
. Plaintiffs also rely on
Lane v. Marine Midland Bank, N.A.,