Total complaints
3
Filed since Mich
2026 data Public-data reference. official source
a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario
3 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
3 consumer complaints filed with the CFPB
This profile shows a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario's complaint history from CFPB public records. 3 consumers have filed complaints since Mich. The company has a 0% timely response rate and has provided relief in 0% of cases.
3
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
Mich
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario complaint mix by product
- there is 3 100.0% – 0% relief
How a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario's 3 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| there is a specific period of time during which a creditor may pursue the collection of a debt. In Michigan | 3 |
Top States
| State | Complaints |
|---|---|
| a cause of action occurs when the breach occurs | 3 |
Top Issues
| Issue | Complaints |
|---|---|
| for default of a credit card agreement | 3 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario
a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario has accumulated 3 consumer complaints in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 3 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to Mich, and the most recent logged activity is Michigan L, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario reports a 0% timely-response rate and has closed 66.7% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "there is a specific period of time during which a creditor may pursue the collection of a debt. In Michigan", and the single most common underlying issue is "for default of a credit card agreement".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario have?
a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario has received 3 consumer complaints filed with the Consumer Financial Protection Bureau.
Does a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario respond to complaints on time?
a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario has a 0% timely response rate to CFPB complaints.
What is the most common complaint about a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario?
The most common issue reported against a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario is "for default of a credit card agreement" in the "there is a specific period of time during which a creditor may pursue the collection of a debt. In Michigan" product category.
Read our methodology — how this data is sourced, computed, and verified.
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