Total complaints
52
Filed since ( 16
2026 data Public-data reference. official source
or any portion thereof
52 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
52 consumer complaints filed with the CFPB
This profile shows or any portion thereof's complaint history from CFPB public records. 52 consumers have filed complaints since ( 16. The company has a 0% timely response rate and has provided relief in 1.9% of cases.
52
Total Complaints
0%
Timely Response
0%
Disputed
1.9%
Relief Provided
16
States Active
( 16
Since
Timely response
0%
CFPB-tracked response window
Relief rate
1.9%
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 1.9%
Industry median
Share closed with monetary or non-monetary relief.
or any portion thereof complaint mix by product
- which states 4 19.0% – 0% relief
- Section 809 3 14.3% – 0% relief
- the following 3 14.3% – 0% relief
- unless the 3 14.3% – 0% relief
- and I 3 14.3% – 33% relief
- Subchapter V 3 14.3% – 0% relief
- providing me 2 9.5% – 0% relief
How or any portion thereof's 52 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt | 4 |
| Section 809 ( b ) : Validating Debts : ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt | 3 |
| the following conduct is a violation of this section : S 809. Validation of Debts ( a ) Notice of debt ; contents within five days after the initial communication with a consumer in connection with the collection of any debt | 3 |
| unless the consumer | 3 |
| and I will not hesitate to bring forth legal action if my rights continue to be violated 2 under the FDCPA and FCRA. You have 30 days to validate this debt and during this time all furnishing and collection activities must cease and desist through any and all mediums including my consumer report. If your company and/or office fails to respond within 30 days to validate this debt it shall be deleted and remove from my credit file immediately If adverse action is taken against me as a consumer i will consult my legal counsel. Please be advised that according to 15 USC 1692g - Within five days after the initial communication with a consumer in connection with the collection of any debt | 3 |
| Subchapter V : Debt Collection Practices specifically section 1692g. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt | 3 |
| providing me notice of the debt pursuant to 15 U.S. Code 1692g - Validation of debts- a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt | 2 |
| within five days after the initial communication with a consumer in connection with the collection of any debt | 2 |
| XXXX is aware and has proof XXXX XXXX XXXX is in violation of 15 usc 1692g. Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| Unfair Practices a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| it states that Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| section 809 states : Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| and FDCPA requires creditors : Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| they must send you an written notice containing these five things : FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| I am requesting verification of this collection account. Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents. Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| they too have failed to respond. Both CAPIO PARTNERS LLC XXXX XXXX XXXX XXXX XXXX companies have violated the following Fair Debt Collection Practice Laws : 15 USC 1692 ( g ) 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| submitted on XXXX XXXX | 1 |
| ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| American Honda Finance Corporation XXXX Honda Financial Services is obligated to comply with my Cease and Desist pursuant to 15 USC 1692c ( c ). In addition | 1 |
| XXXX XXXX XXXX. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| specifically states : ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| UNDER 809. Validation of debts : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| when trying to collect a debt | 1 |
| per FDCPA | 1 |
| XXXX is aware and has proof Cavalry Portfolio Services is in violation of 15 usc 1692g. Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| every other day I was called & left a voicemail. Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection | 1 |
| Validation of Debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| 15 USC 1692g Sec. 809 ( a ) and ( b ) which states that you must supply the following information : Information about the Debt and About the Creditor Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| 15 USC 1692g Sec. 809 ( a ) and ( b ) which states that you must supply the following information : Information About the Debt and About the Creditor Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| I would like to have a Validation fo Debts done for Resurgent Debt Collectors under the Fair Debt Collections Practices : 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| which requires that Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; Damage sustained to mental/physical well-being of a terminally ill patient are in line with wrongful death as the livelihood of the patients lifespan has inevitability been shortened by any undue stress related to negligent undue duress 15 USC Sec. 1681 Civil liability for negligent noncompliance Any consumer reporting agency or user of information which is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) any actual damages sustained by the consumer as a result of the failure ; USAA intentionally damaged my credit causing me to make a non-payment as a way to provide relief. This is a violation of 15 USC Sec. 1681 Civil liability for negligent noncompliance Violations by USAA 15 U.S. Code 1692b Acquisition of location information USAA repeatedly called me on numerous occasions after the hours of XXXX and on Weekends They did not identify themselves correctly and only asked to speak to MS. ( Name Witheld ) on numerous occasions They were advised to cease and desist They were advised that they were violating FDCP and Fair Collection Practices Concerning section 515 U.S. Code 806. Harassment or abuse and continued to call 5 more times 15 U.S. Code 1692g. Validation of debts was not provided within 5 days Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| XXXX and XXXX XXXX. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| I have never spoken to them on the phone. I keep getting harassing phone calls where they try to ask my information. I am afraid. CLARK COUNTY COLLECTION SERVICES HAVE ALSO TRIED TO REVERSE IT ON ME WITH THE 30 DAY RESPONSE WHEN ULTIMATELY THEY HAVE NEVER PROVIDED VALIDATION OF A DEBT OWED AT ALL. AGAIN NOT VERIFICATION VALIDATION '' This is clear and evident fraud. The Fair Debt Collection Practices Act ( FDCPA ) 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| stating that I owe them money based off a collection account I had with XXXX XXXX. I instantly told them that I was in the process of paying this debt off with XXXX XXXX XXXX. I had disputed this account with XXXX XXXX in XX/XX/XXXX and they furnished account verification within 30 days. I setup a payment agreement and completed it. After speaking with XXXXXXXX XXXX in XX/XX/XXXX | 1 |
| in violation of the FDCPA 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt | 1 |
| first by NOT obtaining written permission to furnish information pursuant to 15 USC 1681 ( b ) ( 2 ). The second violation was pursuant to 15 U.S. Code 1692g | 1 |
Top States
| State | Complaints |
|---|---|
| the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt | 27 |
| the debt will be assumed to be valid by the debt collector ; ( 4 ) A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt | 3 |
| the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgement will be mailed to the consumer by the debt collector ; and 5. A statement that | 3 |
| the debt will be assumed to be valid by the debt collector ; 4. a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt | 3 |
| is disputed | 3 |
| the debt will be assumed to be valid by the debt collector ; Fact | 2 |
| the debt will be assumed to be valid by the debt collector. | 2 |
| the debt will be assumed to be valid by the debt collector ; 4 a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt | 1 |
| is disputed the debt collector shall cease collection of the debtuntil the debt collector obtains verification of the debtand a copy of such verification is mailed to the consumer by the debt collector. ( 15 U.S.C. 1692g ( b ) ).,Company believes it acted appropriately as authorized by contract or law,The CMI Group | 1 |
| the debt will be assumed to be valid by the debt collector ; 4. A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt | 1 |
| the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt | 1 |
| the debt will be assumed to be valid by the debt collector a statement that if the consumer notifies the debt collector in writing within the XXXX period that the debt | 1 |
| the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt | 1 |
| the debt will be assumed to be valid by the debt collector ; & ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt | 1 |
| the debt will be assumed to be valid by the debt collector ; *A statement that if the consumer notifies the debt collector in writing within the 30 day period that the debt | 1 |
| the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| unless the following information is contained in the initial communication or the consumer has paid the debt | 42 |
| disputes the validity of the debt | 3 |
| Credit Management LP acknowledged that they had notified the credit bureaus to remove this tradeline from XXXX XXXX credit report '' but admitted that this will not resolve the underlying debt. '' However | 1 |
| the consumer | 1 |
| which is generally called a debt validation notice | 1 |
| within 30 days after receipt of the notice | 1 |
| a debt collector shall | 1 |
| and I requested account verification from them. The company never responded to the email or furnished account verification to this day. They proceeded to place a collection account through all 3 credit bureaus. I instantly disputed the accounts and they were removed. They again were placed there in XX/XX/XXXX and I disputed the account again. I contacted XXXX XXXX XXXX on XX/XX/XXXX and furnished the payoff letter from XXXX XXXX. The account was removed again | 1 |
| within thirty days after receipt of the notice | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About or any portion thereof
or any portion thereof has accumulated 52 consumer complaints in the CFPB public database, with filings active across 16 U.S. states. Of those submissions, 51 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 ( 16, and the most recent logged activity is r Debt Col, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, or any portion thereof reports a 0% timely-response rate and has closed 5.8% of cases with a written explanation to the consumer. 1.9% 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 "which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt", and the single most common underlying issue is "unless the following information is contained in the initial communication or the consumer has paid the debt".
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 or any portion thereof: 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 or any portion thereof have?
or any portion thereof has received 52 consumer complaints filed with the Consumer Financial Protection Bureau.
Does or any portion thereof respond to complaints on time?
or any portion thereof has a 0% timely response rate to CFPB complaints.
What is the most common complaint about or any portion thereof?
The most common issue reported against or any portion thereof is "unless the following information is contained in the initial communication or the consumer has paid the debt" in the "which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt" product category.
Read our methodology — how this data is sourced, computed, and verified.
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