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Try CasePortal for FreeJ. Treadwell grants the bank's motion to dismiss an unfair debt collection action brought by the borrower alleging that the bank and the recovery company unlawfully repossessed his vehicle. The sales contract was assigned to the bank and the bank is not a debt collector, therefore the borrower failed to state a claim under the Fair Debt Collection Practice Act. Since the recovery company failed to respond, the borrower's motion to amend is partially granted with respect to his wish to allege unfair debt collection and conversion claims against it. The borrower can also amend his complaint to allege a conversion claim against the car company. However, the motion is denied as futile with respect to the borrower's request to amend the complaint to allege claims against the bank for fraud, breach of fiduciary duty and violations of the Georgia Fair Business Practice Act.