Total complaints
100
Filed since ( XX
2026 data Public-data reference. official source
deceptive
100 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
100 consumer complaints filed with the CFPB
This profile shows deceptive's complaint history from CFPB public records. 100 consumers have filed complaints since ( XX. The company has a 0% timely response rate and has provided relief in 1% of cases.
100
Total Complaints
0%
Timely Response
0%
Disputed
1%
Relief Provided
65
States Active
( XX
Since
Timely response
0%
CFPB-tracked response window
Relief rate
1%
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 1.0%
Industry median
Share closed with monetary or non-monetary relief.
deceptive complaint mix by product
- the creditor 4 16.7% – 0% relief
- XXXX XXXX 4 16.7% – 0% relief
- a collections 4 16.7% – 0% relief
- establishes that 3 12.5% – 0% relief
- misleading 3 12.5% – 0% relief
- I must 3 12.5% – 0% relief
- including my 3 12.5% – 0% relief
How deceptive's 100 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| the creditor continue to report the account as a charge-off with derogatory remarks | 4 |
| XXXX XXXX | 4 |
| a collections company | 4 |
| establishes that a violation of FDUTPA may be based upon any law | 3 |
| misleading | 3 |
| I must dispute the ongoing collection activity and continued reporting of a balance on an account you confirmed was charged off as of XX/XX/XXXX. Your letter states that my account was charged off in XXXX | 3 |
| including my redacted government-issued ID. I do not consent to the use | 3 |
| once a consumer disputes any information | 3 |
| which gives consumers the right to dispute inaccurate or incomplete information with the credit reporting agencies | 3 |
| based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system | 2 |
| XXXX XXXX did not provide me with the required paperwork | 2 |
| services | 2 |
| such as detailed account records and payment histories. By continuing to report unverifiable data | 2 |
| the most significant laws include the federal Truth in Lending Act | 2 |
| 15 U.S.C. 1692c | 2 |
| FDCPA Violation ) : Furthermore | 2 |
| its associates | 1 |
| officer | 1 |
| consumer reporting agencies such as EXPERIAN are required to maintain maximum possible accuracy | 1 |
| Harris & Harris Ltd has failed to : Provide validation of debt as required by FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) Produce an original signed contract bearing my wet signature | 1 |
| a separate federal law that regulates the practices of debt collectors. Under the FDCPA | 1 |
| Inc.s terms and conditions governing this alleged account and any authority you claim to enforce Your state collection license | 1 |
| XXXX Today the Consumer Financial Protection Bureau ( CFPB ) took its first action against an online loan servicer | 1 |
| inaccurate | 1 |
| failure to maintain accurate records | 1 |
| I have an open account with a {$XXXX} balance. You are deemed as the original creditor. This letter is being sent to you in pursuant to the Fair Debt Collection Practices Act | 1 |
| I discovered that Cash App had questionable practices regarding the handling of personal data. Many users | 1 |
| a debt collector must cease collection activities until the debt is validated by providing sufficient documentation | 1 |
| the Fair Debt Collection Practices Act ( FDCPA ) aims to protect consumers from abusive debt collection practices | 1 |
| XXXX | 1 |
| UWM failed provide us with notification that our loan had been transferred to a sub-servicer ( 12 CFR 1024.33 ( b ) ( 3 ) ). XXXX XXXX failed to provide us with notice that they were now servicing our loan ( 12 CFR 1024.33 ( b ) ( 3 ) ). UWM did not provide timely and accurate information to XXXX XXXX that would have allowed us to fix this problem before it impacted our credit scores ( 12 CFR 1024.38 ( a ) and 12 CFR 1024.38 ( b ) ( 1 ) ). XXXX XXXX failed in its duty to reach out to UWM to retrieve missing records from our file ( 12 CFR 1024.38 ( b ) ( 4 ) ). Both UWM and XXXX XXXX have failed to retain accurate records regarding our recorded and/or transcribed phone calls ( 12 CFR 1024.38 ( c ) ( 1 ) ). An accurate servicing file was not maintained for our account ( 12 CFR 1024.38 ( c ) ( 2 ) ). UWM failed to inform us that our XXXX mortgage payment was delinquent during the XX/XX/XXXX phone call | 1 |
| it is fact | 1 |
| Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following ... ..every obligation heretofore or hereafter incurred | 1 |
| DOC # : XXXX 27- 4-COOPERATION ASSIGNMENT OF DEED OF TRUST FILED ON XX/XX/XXXX BY XXXX XXXX XXXX XXXX | 1 |
| a collection account from XXXX XXXX | 1 |
| including reporting this information on my credit report. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state or federal agencies. While LVNV Funding | 1 |
| XXXXWhen I call bank with request to provide all material of their investigation | 1 |
| Navient also assured me through its customer service representative | 1 |
| Nationstar Mortgage d.b.a. Mr. Cooper | 1 |
| XXXX. XXXX XXXX | 1 |
| financial harm | 1 |
| including : The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) | 1 |
| the failure to provide sufficient evidence | 1 |
| Deceptive | 1 |
| furnishing certain deceptive forms ( a ) It is unlawful to design | 1 |
| Experians continued refusal to validate this account through lawful means may also implicate violations of the Truth in Lending Act ( XXXX U.S.C. XXXXb ) | 1 |
| credit score damage | 1 |
| Incorrect account status / paid-in-full dispute | 1 |
| Caine & Weiner sent me a collection notice dated XX/XX/XXXX | 1 |
| including but not limited to : Federal Truth in Lending Act ( TILA ) | 1 |
| 15 U.S.C. 1601 et seq. ) | 1 |
| TSI | 1 |
| Inc. stated Based on the information | 1 |
| including authorization-layer controls | 1 |
| 15 USC 1681S-2 aims to promote fairness | 1 |
| but I need the CFPB to understand that TransUnion has been just as negligent | 1 |
| consumer reporting agencies such as EQUIFAX are required to maintain maximum possible accuracy | 1 |
| the exorbitant interest rate | 1 |
| verify | 1 |
| records | 1 |
| 604 | 1 |
| I lost my home | 1 |
| XXXX. this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act I have noticed a hard inquiry on my consumer report with the following information :. XXXX ( Bank ) XX/XX/XXXX this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Account number XXXX XXXX XXXX Account number XXXX Last reported XX/XX/XXXX Balance {$430.00} Opened XX/XX/XXXX ( XXXX yrs | 1 |
| defaults | 1 |
| you are required under federal law to : Cease collection efforts entirely Immediately delete all tradeline entries from all three credit reporting agencies ( Experian | 1 |
| and GAP Insurance ( {$990.00} ) my APR would be increased from 17.49 % to 22.94 %. This was not a misunderstanding or informal conversation. It was a direct coercive tactic used to manipulate the loan terms and force me into purchasing unnecessary add-ons. This is a clear violation of both Texas OCCC regulations and federal consumer protection laws | 1 |
| exposing ALLY to statutory damages ( up to {$1000.00} per violation ) | 1 |
| I contacted Wells Fargos Customer Advocate Team and requested an investigation. Wells Fargo refused to investigate | 1 |
| D.C. Today the Consumer Financial Protection Bureau ( CFPB ) took its first action against an online loan servicer | 1 |
| a consumer reporting agency can not reinsert information that was deleted as a result of a dispute unless the furnisher certifies its accuracy. Even then | 1 |
| XXXX. this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 XXXX XXXX. Section XXXX of Fair Credit Reporting Act I have noticed a hard inquiry on my consumer report with the following information :. XXXX ( Bank ) XX/XX/XXXX this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Account number XXXX XXXX XXXX Account number XXXX Last reported XX/XX/XXXX Balance {$430.00} Opened XX/XX/XXXX ( 4 yrs | 1 |
| refusal to escalate calls to hardship departments | 1 |
Top States
| State | Complaints |
|---|---|
| and unfair debt collection practices by XXXX XXXX XXXX has caused me loss of jobs/ job opportunities | 6 |
| or misleading representations in connection with the collection of a debt. | 5 |
| or abusive acts or practices ( UDAAP ) under the Dodd-Frank Act. | 4 |
| or misleading representations. I do not have any contractual agreement with XXXX XXXX XXXX XXXX | 4 |
| and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies | 3 |
| or unconscionable acts or practices. | 3 |
| or abusive acts or practices ( UDAAP ). | 3 |
| and a direct violation of FCRA 623 ( a ) ( 1 ) ( A ). Since you can not or will not correct the inaccuracies | 3 |
| or misleading representation in connection with the collection of a debt. Once a debt is charged off and no longer actively collected | 3 |
| or misleading representations in connection with debt collection Experian | 3 |
| or unfair reporting is a violation of my consumer protections ; I have not received proper validation or physical documentation that establishes the legal basis for the derogatory information being reported | 3 |
| or misleading credit information and require fair dealing in all consumer credit matters. By continuing to publish unverifiable entries | 2 |
| or unfair | 2 |
| and abusive practices | 2 |
| or abusive acts or practices in the XXXX XXXX XXXX XXXX was opened XX/XX/year>XXXX acct number XXXX | 2 |
| or abusive acts or practices. | 2 |
| and abusive acts and practices | 2 |
| and unfair debt collection practices as displayed by XXXX XXXX | 1 |
| and misleading representations FDCPA 809 Failure to provide proper validation TCPA Unauthorized and unlawful communications Improper collection | 1 |
| or misleading representations FDCPA 809 Requires validation of debts upon request FCRA 1681e ( b ) Obliges furnishers to ensure maximum possible accuracy FCRA 1681b Requires a clear permissible purpose for reporting Georgia debt collection statutes Require licensure and compliance with the Georgia Fair Business Practices Act This unvalidated tradeline has materially damaged my credit report and caused financial and emotional harm. Reporting unverified debts especially without notice or licensure is not only unlawful | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| which is required under IRS regulations if the creditor claims a loss of {$600.00} or more. The contradictory handling | 4 |
| MN XXXX | 4 |
| rule | 3 |
| integrity | 3 |
| inconsistent with charge-off accounting treatment | 3 |
| the details are as follows : Account Number : XXXX Balance : {$2400.00} Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney | 3 |
| or sharing of my personal information beyond what is required for this dispute resolution. This aligns with federal privacy protections and constitutional rights | 3 |
| data furnishers must conduct an investigation upon notice of a dispute | 3 |
| which requires the credit reporting agencies to investigate and correct any disputed information that is found to be inaccurate or incomplete. Additionally | 3 |
| Section 129 ( a ) | 2 |
| its owner | 2 |
| employment | 2 |
| which requires maximum possible accuracy | 2 |
| Fair Credit Reporting Act | 2 |
| and 1692f | 2 |
| they failed to provide the requested information. XXXX still insisted I had an obligation to pay | 2 |
| Ga XXXX XXXX XXXX XXXX XXXX XXXX referred to the XXXX was not present during the closing of the home and can not speak to the facts of that situation. According to XXXX XXXX | 1 |
| The Fair Debt Collection Practices Act and The privacy Act of XXXX my right to privacy and my pricacy has been breach so bit it and ; Furthermore | 1 |
| in violation of federal law XXXX XXXX XXXX : Is out of business Has no assets Has no active bank accounts Any implication of personal liability is false | 1 |
| and delete unverifiable or false data. The FAIR AND ACCURATE CREDIT TRANSACTIONS ACT ( FACTA ) | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About deceptive
deceptive has accumulated 100 consumer complaints in the CFPB public database, with filings active across 65 U.S. states. Of those submissions, 97 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 ( XX, and the most recent logged activity is er 15 U.S., giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, deceptive reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 1% 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 "the creditor continue to report the account as a charge-off with derogatory remarks", and the single most common underlying issue is "which is required under IRS regulations if the creditor claims a loss of {$600.00} or more. The contradictory handling".
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 deceptive: 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 deceptive have?
deceptive has received 100 consumer complaints filed with the Consumer Financial Protection Bureau.
Does deceptive respond to complaints on time?
deceptive has a 0% timely response rate to CFPB complaints.
What is the most common complaint about deceptive?
The most common issue reported against deceptive is "which is required under IRS regulations if the creditor claims a loss of {$600.00} or more. The contradictory handling" in the "the creditor continue to report the account as a charge-off with derogatory remarks" product category.
Read our methodology — how this data is sourced, computed, and verified.
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