Total complaints
19
Filed since 15 U
2026 data Public-data reference. official source
the debt collector shall cease collection of the debt
19 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
19 consumer complaints filed with the CFPB
This profile shows the debt collector shall cease collection of the debt's complaint history from CFPB public records. 19 consumers have filed complaints since 15 U. The company has a 0% timely response rate and has provided relief in 0% of cases.
19
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
15 U
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.
the debt collector shall cease collection of the debt complaint mix by product
- I previously 3 23.1% – 0% relief
- or any 3 23.1% – 0% relief
- which I 2 15.4% – 0% relief
- a debt 2 15.4% – 0% relief
- in accordance 1 7.7% – 0% relief
- therefore 1 7.7% – 0% relief
- XXXX AND 1 7.7% – 0% relief
How the debt collector shall cease collection of the debt's 19 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| I previously requested verification of this account by mail | 3 |
| or any portion thereof | 3 |
| which I do not believe I owe. I am also requesting that you validate this debt you claim I owe by providing the documentation and information requested below. This is not a refusal to pay | 2 |
| a debt collector shall | 2 |
| in accordance with the Fair Debt Collection Practices Act | 1 |
| therefore | 1 |
| XXXX AND XXXX numerous times to exercise my consumer rights of validating the debt that is being reported and affecting my consumer report. The account has never been validated and inaccuracies on the report | 1 |
| XXXX AND EXPERIAN numerous times to exercise my consumer rights of validating the debt that is being reported and affecting my consumer report. The account has never been validated and inaccuracies on the report | 1 |
| or any other company on this matter therefore | 1 |
| I have not received items that I have requested from my first NOTICE OF DISPUTE | 1 |
| via certified mail | 1 |
| EQUIFAX AND XXXX numerous times to exercise my consumer rights of validating the debt that is being reported and affecting my consumer report. The account has never been validated and inaccuracies on the report | 1 |
| XXXX XXXX | 1 |
Top States
| State | Complaints |
|---|---|
| or any disputed portion thereof | 19 |
Top Issues
| Issue | Complaints |
|---|---|
| you have failed to verify the accuracy of this account. According to 15 U.S.C. 1692g ( b ) : > If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt | 3 |
| If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) 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 judgment will be mailed to the consumer by the debt collector15 U.S. Code 1692g ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt | 3 |
| Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt | 2 |
| 15 USC 1692g Section 809 ( b ) that your claim is disputed and validation is requested. Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act : If the consumer notifies the debt collector in writing within the 30-day period described in subsection ( a ) that the debt | 2 |
| send the consumer a written notice containing or ( b ) Disputed debts If the consumer noti es the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt | 2 |
| Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the XXXX-day period described in subsection ( a ) that the debt | 1 |
| Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt | 1 |
| 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt | 1 |
| natural person and original creditor contacted NAVY FEDERAL CREDIT UNION in writing on XX/XX/2021 requesting that said company validate this alleged debt and also sent them a cease and desist letter asking that they stop contacting me. NAVY FEDERAL CREDIT UNION received all documents on XX/XX/2021. NAVY FEDERAL CREDIT has yet to respond and has continued to send statements after documents were received. NAVY FEDERAL CREDIT UNION has failed to report this alleged debt as disputed pursuant to 15 USC 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About the debt collector shall cease collection of the debt
the debt collector shall cease collection of the debt has accumulated 19 consumer complaints in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 19 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 15 U, and the most recent logged activity is my second , giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, the debt collector shall cease collection of the debt reports a 0% timely-response rate and has closed 10.5% 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 "I previously requested verification of this account by mail", and the single most common underlying issue is "you have failed to verify the accuracy of this account. According to 15 U.S.C. 1692g ( b ) : > If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that 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 the debt collector shall cease collection of the debt: 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 the debt collector shall cease collection of the debt have?
the debt collector shall cease collection of the debt has received 19 consumer complaints filed with the Consumer Financial Protection Bureau.
Does the debt collector shall cease collection of the debt respond to complaints on time?
the debt collector shall cease collection of the debt has a 0% timely response rate to CFPB complaints.
What is the most common complaint about the debt collector shall cease collection of the debt?
The most common issue reported against the debt collector shall cease collection of the debt is "you have failed to verify the accuracy of this account. According to 15 U.S.C. 1692g ( b ) : > If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt" in the "I previously requested verification of this account by mail" product category.
Read our methodology — how this data is sourced, computed, and verified.
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