CT takes action after the debt collector calls the hospital emergency line

Quick answer: The Connecticut Banking Commissioner has a cease and desist order v. Omnipoint Management Solutions LLC on January 6, 2026. The commissioner found that an Omnipoint representative called a hospital emergency medical phone line to reach a debtor, used profanity when told it was an Emergency Room line, and that another representative called the same Emergency Room line again 20 minutes later. Omnipoint has never been licensed as a consumer debt collection agency in Connecticut. The company faces civil penalties of up to $100,000 per violation.

Important: This is a government enforcement action, not a court ruling. The Connecticut Banking Commissioner conducted an investigation and issued findings. Omnipoint Management Solutions has the right to challenge these findings at a hearing scheduled for March 11, 2026. This article summarizes the government’s order for educational purposes.

Action summary

January 6, 2026Order issued

$100KPer violation fine

March 11Hearing date

Issuing authority: Jorge L. Perez, Connecticut Banking Commissioner
Respondent: Omnipoint Management Solutions LLC (NMLS No. 1801926)
Location: 2303 Union Road, West Seneca, New York 14224
Owner: Shawn Kelley, member
Violations found: Unlicensed collection activities, contact with third parties without permission, harassing and abusive behavior, FDCPA violations
Date of hearing: March 11, 2026, 10:00 AM (if requested within 14 days of receipt)

What the commissioner found

According to the enforceable titlethe investigation began after a complaint from an emergency department employee at the Hospital of Central Connecticut in New Britain.

The warrant states that on April 23, 2025, at 9:15 a.m., a representative named Dan Kelleher called the hospital medical emergency telephone line to reach a debtor in Connecticut. When the emergency department clerk informed Kelleher that he had called an emergency medical phone line, the order states that Kelleher responded with intimidating and offensive language.

The emergency department employee then contacted Omnipoint management to report the behavior and request that the hospital’s emergency line be removed from Omnipoint’s phone book. According to the order, management acknowledged the recorded conversation and assured the receptionist that the line would be placed on Omnipoint’s do-not-call list.

Key finding: According to the order, approximately 20 minutes later—at 10:18 a.m. —a different Omnipoint representative called the the same emergency medical telephone line looking for the the same debtor. This happened after management had already acknowledged the problem and promised to put the line on their do-not-call list.

The commissioner found that Omnipoint’s repeated calls to the hospital’s emergency medical phone line took up emergency communications channels intended for legitimate medical emergencies, distracted the attention of hospital staff, and caused unnecessary stress to emergency room staff.

Additional CFPB Complaint

The order also refers to a complaint from the Consumer Financial Protection Bureau Complaint Database alleging that Omnipoint attempted to collect from a Connecticut consumer around 2023 by contacting the consumer’s family members – including the consumer’s elderly and ill parents – without the consumer’s prior consent.

Research Obstruction

According to the order, when the department requested information about all of Omnipoint’s collection activity in Connecticut over the past two years, Omnipoint’s counsel responded only that the hospital bill had been “erroneously” placed for collection. Counsel did not provide the requested information about the collection activities. A follow-up request sent in December 2025 with a deadline of December 30, 2025 received no response.

The violations

The commissioner found four categories of violations:

Collection activities without a permit — Omnipoint has never been licensed as a consumer debt collection agency in Connecticut, in violation of Section 36a-801(a) of the Connecticut General Statutes
Contact with third parties without permission — Communicating with persons other than the debtor without prior authorization, in violation of Section 36a-809-9(d)(2) of the Regulations
Intimidating and insulting behavior — Engaging in conduct which has the natural consequence of harassing, oppressing or abusing any person in connection with the collection of debts, contrary to Section 36a-809-10 of the Regulations
FDCPA Violations – Failure to comply 12 CFR sections 1006.14(a) and 1006.14(h)(1) of the Fair Debt Collection Practices Act, in violation of Section 36a-812 of the Connecticut General Statutes

What was ordered

Cease and Cease: Omnipoint must cease all unlicensed collection activities in Connecticut and cease engaging in harassing, abusive or misleading conduct
Civil penalty: Maximum of $100,000 per violation under Section 36a-50(a) of the Connecticut General Statutes

If Omnipoint does not request a hearing within 14 days of receiving the order, the charges will be considered admitted and the orders will become final.

Who is Omnipoint Management Solutions?

According to the order, Omnipoint Management Solutions LLC is a New York limited liability company located in West Seneca, New York (near Buffalo). The company loves NMLS #1801926. The member (owner) is Shawn Kelley.

The company describes itself as a collection agency. According to BBB Complaint Registrationconsumers have filed multiple complaints about Omnipoint’s practices, including allegations that they have contacted family members, called employers, and continued to call after receiving cease and desist requests.

What this means for consumers

Know your rights: Under both federal law (FDCPA) and Connecticut lawdebt collection agencies cannot:

You are called at unusual times or at work when you are told not to
Contact third parties (family, friends, employers) without your consent
Use intimidating, insulting or threatening language
Collecting debt in Connecticut without a state license

If a debt collection agency contacts you in a manner that violates these rules, you have the right to send a written cease and desist order. If they persist, you may have grounds for a complaint or lawsuit.

Before you sign anything: If you are considering hiring a debt relief company, first run their contract through the Contract Decoder. It’s free and it’s your last chance to spot warning signs before you commit.

How to track this action

This enforcement action was issued by the Connecticut Department of Banking. For updates:

If a hearing is requested, it will be scheduled March 11, 2026 at the department’s office in Hartford, Connecticut.

Frequently asked questions

What does this enforcement action mean for people contacted by Omnipoint?

The Connecticut Banking Commissioner found that Omnipoint operated without a license and engaged in harassing and unlawful conduct. If you were contacted by Omnipoint in Connecticut, you may have been contacted by an unlicensed collector, meaning the collection activity itself may have been illegal.

Can Omnipoint still collect debts?

The order directs Omnipoint to stop collecting in Connecticut without a permit. In other states where Omnipoint has a valid license, the company may continue to operate but must comply with all applicable laws.

What should I do if Omnipoint calls me or my family?

Send a written order subject to a penalty by registered post. Under the FDCPA, once debt collectors receive your written request, they are not required to contact you again (except to confirm that they will stop or to notify you of a specific action). You can also file a complaint with the CFPB or your state banking department.

Is Omnipoint a scam?

The Connecticut enforcement action addresses unlicensed activities and abusive debt collection practices; it does not label the company as a scam. Omnipoint appears to be an operating debt collection agency. However, the findings suggest practices that consumers should be cautious about.

Contact details

If you have any questions about this enforcement action or dealing with Omnipoint, you will find relevant contacts here:

Omnipoint Management Solutions: 2303 Union Road, West Seneca, NY 14224
Connecticut Department of Banks: 280 Trumbull Street, 16th Floor, Hartford, CT 06103
Email department: DOB.hearingsupport@ct.gov

A note about Omnipoint management solutions: I believe in fair coverage. If you would like to make a statement to my readers regarding this enforcement action, please contact me. I will add your response to this article so readers can hear your perspective.

TL; DR: Connecticut’s Banking Commissioner issued a cease and desist order against Omnipoint Management Solutions after discovering that the company had called a hospital emergency line to pursue a debtor, used offensive language, and then called the same hotline again twenty minutes later – all without ever obtaining a license to collect debts in Connecticut. Omnipoint faces civil penalties of up to $100,000 per violation. If a collection agency calls your family, your employer or emergency lines, you have rights. Use the Contract Decoder before signing with a debt counselor.

(Source: Connecticut Department of Banking, January 6, 2026 decision)

Consumer debt expert and investigative writer. Survivor of Personal Bankruptcy (1990). Award-winning author of the Washington Post. Exposing debt fraud since 1994.

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CT takes action after the debt collector calls the hospital emergency line

Action summary