Total complaints
101
Filed since -Lac
2026 data Public-data reference. official source
verbal
101 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
101 consumer complaints filed with the CFPB
This profile shows verbal's complaint history from CFPB public records. 101 consumers have filed complaints since -Lac. The company has a 0% timely response rate and has provided relief in 0% of cases.
101
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
34
States Active
-Lac
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.
verbal complaint mix by product
- XXXX 19 33.9% – 0% relief
- as a 8 14.3% – 0% relief
- and per 7 12.5% – 0% relief
- or to 6 10.7% – 0% relief
- charge off 6 10.7% – 0% relief
- and the 5 8.9% – 0% relief
- and per 5 8.9% – 0% relief
How verbal's 101 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| XXXX | 19 |
| as a federally protected consumer | 8 |
| and per the Privacy Act of XXXX | 7 |
| or to another agency | 6 |
| charge off status ) | 6 |
| and the above laws | 5 |
| and per the Privacy Act of 1974 | 5 |
| they agreed not to share my information with non-affiliates. XXXX | 5 |
| per the FCRA | 4 |
| any consumer report agency may furnish a consumer report under the following circumstances and no other : according with written instructions of the consumer to which it relates. ( Furnisher of information to credit agencies ) The financial institutions and the consumer reporting agencies XXXX | 4 |
| I | 3 |
| the head of an executive | 3 |
| income does not get reported on the credit report which in fact makes reporting of this account inaccurate. By Definition | 3 |
| a consumer reporting agency XXXX only share a consumers information if they have written consent. XXXX | 2 |
| a consumer reporting agency may only furnish a consumer report for permissible purposes | 2 |
| XXXX. terms and conditions they agreed not to share my information with non affiliates. XXXX | 2 |
| I am revoking & opting out of any and all authorization | 1 |
| particularly 15 USC 6802 | 1 |
| specifically XXXX | 1 |
| XXXX AND EXPERIAN have no excuse as they will be recieving a copy as well. The terms and conditions they agreed not to share my information with non affiliates without consent. XXXX XXXX | 1 |
| a consumer reporting agency may only share a consumers information if they have written consent. Equifax | 1 |
| the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt. in order to file as ordinary income. Where is my 1099-C XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. EQUIFAX | 1 |
| N.A . terms and conditions they agreed not to share my information with non affiliates. XXXX | 1 |
| secondary | 1 |
| Equifax | 1 |
| XXXX AND XXXX have no excuse as they will be recieving a copy as well. The terms and conditions they agreed not to share my information with non affiliates without consent. XXXX XXXX | 1 |
| any consumer report agency may furnish a consumer report under the following circumstances and no other : according with written instructions of the consumer to which it relates. ( Furnisher of information to credit agencies ) The financial institutions and the consumer reporting agencies Experian | 1 |
| a non affiliates. XXXX XXXX | 1 |
| they agreed not to share my information with non-affiliates. Equifax | 1 |
| sell | 1 |
| specifically EXPERIAN | 1 |
| XXXX. terms and conditions they agreed not to share my information with non affiliates. Equifax | 1 |
| complete info 16 CFR 313.7 Failure to provide opt-out notices for third-party data sharing 15 U.S.C. 6801 Mishandling nonpublic personal info ( Gramm-Leach-Bliley Act ) UCC 3-603 ( b ) Debt discharged = obligation extinguished Spokeo v. Robins | 1 |
Top States
| State | Complaints |
|---|---|
| or nonverbalper 5 U.S. Code 552a. Per the FCRA | 12 |
| and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer | 11 |
| and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written | 9 |
| or non-verbal | 6 |
| or nonverbal implied | 6 |
| non-verbal | 6 |
| nonverbal | 5 |
| implied | 5 |
| or nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFOMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency specified by the person for such notices | 4 |
| or implied. | 3 |
| and non-verbal per 15 USC 6802 ( b ). I do not give you permission to access | 3 |
| and nonverbal per 5 U.S. Code 552a. | 3 |
| and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 15 U.S. Code 1692k ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section | 2 |
| non-verbal that may have been previously provided to XXXX XXXX. Effective immediately | 2 |
| and non-verbal per 15 USC 6802. I shall also point out the parties responsibility pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer | 2 |
| and non-verbal per 15 USC 6802. Your power of attorney has been removed. Effective Immediately. | 2 |
| or nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFOMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency specified by the person for such notices | 2 |
| and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section Students ' financial records are confidential in accordance with the Family Educational Rights and Privacy Act ( FERPA ). FERPA is a federal law that protects the privacy of student education records | 2 |
| & nonverbal for reporting on the Discover Bank Account ending in XXXX per 15 USC 6802. According to the Fair Credit Reporting Act 15 USC 1681 section 602 | 1 |
| or nonverbal agreements. | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| non written | 18 |
| I am now revoking any and all authorization I | 12 |
| XXXX | 7 |
| or with the prior written consent of | 6 |
| i am now opting out of any and all authorization i the consumer | 5 |
| I | 5 |
| as a federally protected consumer | 4 |
| I am now also opting out of any and all authorization I | 4 |
| exercising my rights as a federally protected consumer | 3 |
| and XXXX XXXX does not have my consent to furnish this information and they surely never had my written consent. All and any consent to XXXX | 3 |
| the consumer | 3 |
| or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way all 3 credit bureaus have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974 Under 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' Thus | 3 |
| and XXXX | 2 |
| and XXXX are not an affiliate of any aforementioned parties nor are they bureaus ''. The law states CFPB is the only official bureau and they in fact do not furnish credit files nor consumer reports. I have also provided a copy of the letter sent via US. Mail stating the alleged debt is valid by XXXX XXXX XXXX XXXX. I also have statement of account and the intermediaries and or agents refuse to balance the account. They have also continued to use US mail to send deceptive forms for the purpose of extorting a consumer. I have a right to privacy and Per the Privacy Act of XXXX as a federally protected consumer any and all authorization known and unknown is hereby revoked. This includes but not limited to written | 1 |
| and XXXX are not affiliates of XXXX XXXX XXXX nor are they bureaus. The only true bureau is the Consumer Financial Protection Bureau and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and pursuant to the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written | 1 |
| TransUnion | 1 |
| 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( INFINITI XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency XXXX XXXX XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate. INFINITI XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income | 1 |
| non-written | 1 |
| Experian | 1 |
| 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About verbal
verbal has accumulated 101 consumer complaints in the CFPB public database, with filings active across 34 U.S. states. Of those submissions, 87 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 -Lac, and the most recent logged activity is XXXX XXXX , giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, verbal 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 "XXXX", and the single most common underlying issue is "non written".
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 verbal: 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 verbal have?
verbal has received 101 consumer complaints filed with the Consumer Financial Protection Bureau.
Does verbal respond to complaints on time?
verbal has a 0% timely response rate to CFPB complaints.
What is the most common complaint about verbal?
The most common issue reported against verbal is "non written" in the "XXXX" product category.
Read our methodology — how this data is sourced, computed, and verified.
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