any Thing in the Constitution or Laws of any state to the Contrary notwithstanding. [ Article VI section 2 ] Notice of Fair Debt Collections Practices Act ( FDCPA ; 15 USC 1692 et seq ) Violation ( s ) : 15 U.S. Code 1692c - Communication in connection with debt collection ... without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction. 15 U.S. Code 1692e False representation or implication that the debt collector is vouched for

What the CFPB Record Shows About any Thing in the Constitution or Laws of any state to the Contrary notwithstanding. [ Article VI section 2 ] Notice of Fair Debt Collections Practices Act ( FDCPA ; 15 USC 1692 et seq ) Violation ( s ) : 15 U.S. Code 1692c - Communication in connection with debt collection ... without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction. 15 U.S. Code 1692e False representation or implication that the debt collector is vouched for

any Thing in the Constitution or Laws of any state to the Contrary notwithstanding. [ Article VI section 2 ] Notice of Fair Debt Collections Practices Act ( FDCPA ; 15 USC 1692 et seq ) Violation ( s ) : 15 U.S. Code 1692c - Communication in connection with debt collection ... without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction. 15 U.S. Code 1692e False representation or implication that the debt collector is vouched for has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes 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 XXXX, and the most recent logged activity is XXXX. Fals, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, any Thing in the Constitution or Laws of any state to the Contrary notwithstanding. [ Article VI section 2 ] Notice of Fair Debt Collections Practices Act ( FDCPA ; 15 USC 1692 et seq ) Violation ( s ) : 15 U.S. Code 1692c - Communication in connection with debt collection ... without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction. 15 U.S. Code 1692e False representation or implication that the debt collector is vouched for reports a 0% timely-response rate and has closed 0% 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 "or swears or affirms the truth of such a statement previously made", and the single most common underlying issue is "and the Laws of the United States which shall be made in Pursuance thereof ; and all Treaties made".

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 any Thing in the Constitution or Laws of any state to the Contrary notwithstanding. [ Article VI section 2 ] Notice of Fair Debt Collections Practices Act ( FDCPA ; 15 USC 1692 et seq ) Violation ( s ) : 15 U.S. Code 1692c - Communication in connection with debt collection ... without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction. 15 U.S. Code 1692e False representation or implication that the debt collector is vouched for: 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.