Total complaints
2
Filed since ( c
2026 data Public-data reference. official source
if the initial communication with the consumer is oral
2 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
2 consumer complaints filed with the CFPB
This profile shows if the initial communication with the consumer is oral's complaint history from CFPB public records. 2 consumers have filed complaints since ( c . The company has a 0% timely response rate and has provided relief in 0% of cases.
2
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
( c
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.
if the initial communication with the consumer is oral complaint mix by product
- 1692e ( 1 50.0% – 0% relief
- the debt 1 50.0% – 0% relief
How if the initial communication with the consumer is oral's 2 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| 1692e ( 11 ) XXXX XXXX did not disclose that the communication was from a debt collector on XX/XX/XXXX. In other words | 1 |
| the debt collector shall not communicate further with the consumer with respect to such debt | 1 |
Top States
| State | Complaints |
|---|---|
| in that initial oral communication | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| this communication is from a debt collector | 1 |
| deceptive | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About if the initial communication with the consumer is oral
if the initial communication with the consumer is oral has accumulated 2 consumer complaints in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 2 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 ( c , and the most recent logged activity is 17. Aldrig, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, if the initial communication with the consumer is oral 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 "1692e ( 11 ) XXXX XXXX did not disclose that the communication was from a debt collector on XX/XX/XXXX. In other words", and the single most common underlying issue is "this communication is from a debt collector".
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 if the initial communication with the consumer is oral: 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 if the initial communication with the consumer is oral have?
if the initial communication with the consumer is oral has received 2 consumer complaints filed with the Consumer Financial Protection Bureau.
Does if the initial communication with the consumer is oral respond to complaints on time?
if the initial communication with the consumer is oral has a 0% timely response rate to CFPB complaints.
What is the most common complaint about if the initial communication with the consumer is oral?
The most common issue reported against if the initial communication with the consumer is oral is "this communication is from a debt collector" in the "1692e ( 11 ) XXXX XXXX did not disclose that the communication was from a debt collector on XX/XX/XXXX. In other words" product category.
Read our methodology — how this data is sourced, computed, and verified.
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