Total complaints
28
Filed since ( B
2026 data Public-data reference. official source
until the debt collector obtains verification of the debt or a copy of a judgment
28 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
28 consumer complaints filed with the CFPB
This profile shows until the debt collector obtains verification of the debt or a copy of a judgment's complaint history from CFPB public records. 28 consumers have filed complaints since ( B . The company has a 0% timely response rate and has provided relief in 3.6% of cases.
28
Total Complaints
0%
Timely Response
0%
Disputed
3.6%
Relief Provided
1
States Active
( B
Since
Timely response
0%
CFPB-tracked response window
Relief rate
3.6%
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 3.6%
Industry median
Share closed with monetary or non-monetary relief.
until the debt collector obtains verification of the debt or a copy of a judgment complaint mix by product
- If the 4 21.1% – 0% relief
- within the 3 15.8% – 0% relief
- even while 3 15.8% – 0% relief
- section 809 3 15.8% – 33% relief
- plus this 2 10.5% – 0% relief
- a debt 2 10.5% – 0% relief
- XXXX Account 2 10.5% – 0% relief
How until the debt collector obtains verification of the debt or a copy of a judgment's 28 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt | 4 |
| within the 30-day period described in subsection ( A ) of this section that the debt | 3 |
| even while in at work or church. they have send letters to various addresses demanding for payment with no proof of address or validation of the debt by contract. ) 15 U.S. Code 1692g - Validation of debts ( 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 ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt | 3 |
| plus this has not been verified under 15 U.S. Code 1692g - Validation of debts ( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt | 2 |
| a debt collector may not communicate with a consumer in connection with the collection of any debt 15 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 | 2 |
| XXXX Account number XXXX This is the Violation you violated against federal law. I will proceed to file lawsuit if you do not remove this account 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt | 2 |
| it is a fact pursuant to 15 USC 1692g ( b ) that the debt | 1 |
| under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt | 1 |
| plus this has not been verified under XXXX XXXX Code XXXX - Validation of debts ( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt | 1 |
| INC Account number XXXX This is the Violation you violated against federal law. I will proceed to file lawsuit if you do not remove this account 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt | 1 |
| if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt | 1 |
| this company shows they only sent me a copy of bills which does not validate debt. This is shown XXXX. All debt must be validated according different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt | 1 |
| XXXX ) is violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' These companies are also in violation of 15 U.S.C. 1692g. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt | 1 |
| to read the following regulation ; If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt | 1 |
| if the consumer notifies the debt collector HomeLoanServ in writing within the 30-day period described in 209 CMR 18.20 ( 1 ) that the debt | 1 |
Top States
| State | Complaints |
|---|---|
| or the name and address of the original creditor | 28 |
Top Issues
| Issue | Complaints |
|---|---|
| is disputed | 28 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About until the debt collector obtains verification of the debt or a copy of a judgment
until the debt collector obtains verification of the debt or a copy of a judgment has accumulated 28 consumer complaints in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 28 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 ( B , and the most recent logged activity is XXXX XXXX , giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, until the debt collector obtains verification of the debt or a copy of a judgment reports a 0% timely-response rate and has closed 7.1% of cases with a written explanation to the consumer. 3.6% 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 "If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt", and the single most common underlying issue is "is disputed".
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 until the debt collector obtains verification of the debt or a copy of a judgment: 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 until the debt collector obtains verification of the debt or a copy of a judgment have?
until the debt collector obtains verification of the debt or a copy of a judgment has received 28 consumer complaints filed with the Consumer Financial Protection Bureau.
Does until the debt collector obtains verification of the debt or a copy of a judgment respond to complaints on time?
until the debt collector obtains verification of the debt or a copy of a judgment has a 0% timely response rate to CFPB complaints.
What is the most common complaint about until the debt collector obtains verification of the debt or a copy of a judgment?
The most common issue reported against until the debt collector obtains verification of the debt or a copy of a judgment is "is disputed" in the "If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt" product category.
Read our methodology — how this data is sourced, computed, and verified.
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