Total complaints
1
Filed since ( a
2026 data Public-data reference. official source
XXXX XXXX XXXX has violated section XXXX XXXX XXXX sub-section ( XXXX ) EXAMPLES ( XXXX ) UNREASONABLE MEANS which states : YOU DO NOT PROVIDE A REASONABLE MEANS OF OPTING OUT IF : ( A ) THE MEANS OF OPTING OUT IS FOR THE CONSUMER TO WRITE HIS OR HER OWN LETTER TO EXERCISE THAT OPT OUT RIGHT : OR ( B ) THE ONLY MEANS OF OPTING OUT AS DESCRIBED IN ANY NOTICE SUBSEQUENT TO THE NOTICE IS TO USE A CHECK-OFF BOX THAT YOU PROVIDED WITH THE INITIAL NOTICE BUT DID NOT INCLUDE WITH SUBSEQUENT NOTICE. According to 12 CFR 1016.7 ( h ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. Therefore
1 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
1 consumer complaints filed with the CFPB
This profile shows XXXX XXXX XXXX has violated section XXXX XXXX XXXX sub-section ( XXXX ) EXAMPLES ( XXXX ) UNREASONABLE MEANS which states : YOU DO NOT PROVIDE A REASONABLE MEANS OF OPTING OUT IF : ( A ) THE MEANS OF OPTING OUT IS FOR THE CONSUMER TO WRITE HIS OR HER OWN LETTER TO EXERCISE THAT OPT OUT RIGHT : OR ( B ) THE ONLY MEANS OF OPTING OUT AS DESCRIBED IN ANY NOTICE SUBSEQUENT TO THE NOTICE IS TO USE A CHECK-OFF BOX THAT YOU PROVIDED WITH THE INITIAL NOTICE BUT DID NOT INCLUDE WITH SUBSEQUENT NOTICE. According to 12 CFR 1016.7 ( h ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. Therefore's complaint history from CFPB public records. 1 consumers have filed complaints since ( a . The company has a 0% timely response rate and has provided relief in 0% of cases.
1
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
( a
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.
XXXX XXXX XXXX has violated section XXXX XXXX XXXX sub-section ( XXXX ) EXAMPLES ( XXXX ) UNREASONABLE MEANS which states : YOU DO NOT PROVIDE A REASONABLE MEANS OF OPTING OUT IF : ( A ) THE MEANS OF OPTING OUT IS FOR THE CONSUMER TO WRITE HIS OR HER OWN LETTER TO EXERCISE THAT OPT OUT RIGHT : OR ( B ) THE ONLY MEANS OF OPTING OUT AS DESCRIBED IN ANY NOTICE SUBSEQUENT TO THE NOTICE IS TO USE A CHECK-OFF BOX THAT YOU PROVIDED WITH THE INITIAL NOTICE BUT DID NOT INCLUDE WITH SUBSEQUENT NOTICE. According to 12 CFR 1016.7 ( h ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. Therefore complaint mix by product
- you must 1 100.0% – 0% relief
How XXXX XXXX XXXX has violated section XXXX XXXX XXXX sub-section ( XXXX ) EXAMPLES ( XXXX ) UNREASONABLE MEANS which states : YOU DO NOT PROVIDE A REASONABLE MEANS OF OPTING OUT IF : ( A ) THE MEANS OF OPTING OUT IS FOR THE CONSUMER TO WRITE HIS OR HER OWN LETTER TO EXERCISE THAT OPT OUT RIGHT : OR ( B ) THE ONLY MEANS OF OPTING OUT AS DESCRIBED IN ANY NOTICE SUBSEQUENT TO THE NOTICE IS TO USE A CHECK-OFF BOX THAT YOU PROVIDED WITH THE INITIAL NOTICE BUT DID NOT INCLUDE WITH SUBSEQUENT NOTICE. According to 12 CFR 1016.7 ( h ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. Therefore's 1 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| you must provide A CLEAR AND CONSPICUOUS NOTICE to each of your consumers that accurately explains the right to opt out under that section. The notice MUST STATE : ( ii ) THAT THE CONSUMER HAS THE RIGHT TO OPT OUT OF THAT DISCLOSURE ; AND ( iii ) A REASONABLE MEANS BY WHICH THE CONSUMER MAY EXERCISE THE OPT OUT RIGHT. With that being said | 1 |
Top States
| State | Complaints |
|---|---|
| by XXXX XXXX XXXX and Equifax not complying with my exercising my consumer right to Opt-Out they are in violation of the Privacy Act of XXXX as previously mentioned in my first complaint against them. I also have enclosed copies of the initial welcome letter | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| MISSED PAYMENTS | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About XXXX XXXX XXXX has violated section XXXX XXXX XXXX sub-section ( XXXX ) EXAMPLES ( XXXX ) UNREASONABLE MEANS which states : YOU DO NOT PROVIDE A REASONABLE MEANS OF OPTING OUT IF : ( A ) THE MEANS OF OPTING OUT IS FOR THE CONSUMER TO WRITE HIS OR HER OWN LETTER TO EXERCISE THAT OPT OUT RIGHT : OR ( B ) THE ONLY MEANS OF OPTING OUT AS DESCRIBED IN ANY NOTICE SUBSEQUENT TO THE NOTICE IS TO USE A CHECK-OFF BOX THAT YOU PROVIDED WITH THE INITIAL NOTICE BUT DID NOT INCLUDE WITH SUBSEQUENT NOTICE. According to 12 CFR 1016.7 ( h ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. Therefore
XXXX XXXX XXXX has violated section XXXX XXXX XXXX sub-section ( XXXX ) EXAMPLES ( XXXX ) UNREASONABLE MEANS which states : YOU DO NOT PROVIDE A REASONABLE MEANS OF OPTING OUT IF : ( A ) THE MEANS OF OPTING OUT IS FOR THE CONSUMER TO WRITE HIS OR HER OWN LETTER TO EXERCISE THAT OPT OUT RIGHT : OR ( B ) THE ONLY MEANS OF OPTING OUT AS DESCRIBED IN ANY NOTICE SUBSEQUENT TO THE NOTICE IS TO USE A CHECK-OFF BOX THAT YOU PROVIDED WITH THE INITIAL NOTICE BUT DID NOT INCLUDE WITH SUBSEQUENT NOTICE. According to 12 CFR 1016.7 ( h ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. Therefore has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes 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 ( a , and the most recent logged activity is ( a ) Purp, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, XXXX XXXX XXXX has violated section XXXX XXXX XXXX sub-section ( XXXX ) EXAMPLES ( XXXX ) UNREASONABLE MEANS which states : YOU DO NOT PROVIDE A REASONABLE MEANS OF OPTING OUT IF : ( A ) THE MEANS OF OPTING OUT IS FOR THE CONSUMER TO WRITE HIS OR HER OWN LETTER TO EXERCISE THAT OPT OUT RIGHT : OR ( B ) THE ONLY MEANS OF OPTING OUT AS DESCRIBED IN ANY NOTICE SUBSEQUENT TO THE NOTICE IS TO USE A CHECK-OFF BOX THAT YOU PROVIDED WITH THE INITIAL NOTICE BUT DID NOT INCLUDE WITH SUBSEQUENT NOTICE. According to 12 CFR 1016.7 ( h ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. Therefore 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 "you must provide A CLEAR AND CONSPICUOUS NOTICE to each of your consumers that accurately explains the right to opt out under that section. The notice MUST STATE : ( ii ) THAT THE CONSUMER HAS THE RIGHT TO OPT OUT OF THAT DISCLOSURE ; AND ( iii ) A REASONABLE MEANS BY WHICH THE CONSUMER MAY EXERCISE THE OPT OUT RIGHT. With that being said", and the single most common underlying issue is "MISSED PAYMENTS".
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 XXXX XXXX XXXX has violated section XXXX XXXX XXXX sub-section ( XXXX ) EXAMPLES ( XXXX ) UNREASONABLE MEANS which states : YOU DO NOT PROVIDE A REASONABLE MEANS OF OPTING OUT IF : ( A ) THE MEANS OF OPTING OUT IS FOR THE CONSUMER TO WRITE HIS OR HER OWN LETTER TO EXERCISE THAT OPT OUT RIGHT : OR ( B ) THE ONLY MEANS OF OPTING OUT AS DESCRIBED IN ANY NOTICE SUBSEQUENT TO THE NOTICE IS TO USE A CHECK-OFF BOX THAT YOU PROVIDED WITH THE INITIAL NOTICE BUT DID NOT INCLUDE WITH SUBSEQUENT NOTICE. According to 12 CFR 1016.7 ( h ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. Therefore: 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 XXXX XXXX XXXX has violated section XXXX XXXX XXXX sub-section ( XXXX ) EXAMPLES ( XXXX ) UNREASONABLE MEANS which states : YOU DO NOT PROVIDE A REASONABLE MEANS OF OPTING OUT IF : ( A ) THE MEANS OF OPTING OUT IS FOR THE CONSUMER TO WRITE HIS OR HER OWN LETTER TO EXERCISE THAT OPT OUT RIGHT : OR ( B ) THE ONLY MEANS OF OPTING OUT AS DESCRIBED IN ANY NOTICE SUBSEQUENT TO THE NOTICE IS TO USE A CHECK-OFF BOX THAT YOU PROVIDED WITH THE INITIAL NOTICE BUT DID NOT INCLUDE WITH SUBSEQUENT NOTICE. According to 12 CFR 1016.7 ( h ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. Therefore have?
XXXX XXXX XXXX has violated section XXXX XXXX XXXX sub-section ( XXXX ) EXAMPLES ( XXXX ) UNREASONABLE MEANS which states : YOU DO NOT PROVIDE A REASONABLE MEANS OF OPTING OUT IF : ( A ) THE MEANS OF OPTING OUT IS FOR THE CONSUMER TO WRITE HIS OR HER OWN LETTER TO EXERCISE THAT OPT OUT RIGHT : OR ( B ) THE ONLY MEANS OF OPTING OUT AS DESCRIBED IN ANY NOTICE SUBSEQUENT TO THE NOTICE IS TO USE A CHECK-OFF BOX THAT YOU PROVIDED WITH THE INITIAL NOTICE BUT DID NOT INCLUDE WITH SUBSEQUENT NOTICE. According to 12 CFR 1016.7 ( h ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. Therefore has received 1 consumer complaints filed with the Consumer Financial Protection Bureau.
Does XXXX XXXX XXXX has violated section XXXX XXXX XXXX sub-section ( XXXX ) EXAMPLES ( XXXX ) UNREASONABLE MEANS which states : YOU DO NOT PROVIDE A REASONABLE MEANS OF OPTING OUT IF : ( A ) THE MEANS OF OPTING OUT IS FOR THE CONSUMER TO WRITE HIS OR HER OWN LETTER TO EXERCISE THAT OPT OUT RIGHT : OR ( B ) THE ONLY MEANS OF OPTING OUT AS DESCRIBED IN ANY NOTICE SUBSEQUENT TO THE NOTICE IS TO USE A CHECK-OFF BOX THAT YOU PROVIDED WITH THE INITIAL NOTICE BUT DID NOT INCLUDE WITH SUBSEQUENT NOTICE. According to 12 CFR 1016.7 ( h ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. Therefore respond to complaints on time?
XXXX XXXX XXXX has violated section XXXX XXXX XXXX sub-section ( XXXX ) EXAMPLES ( XXXX ) UNREASONABLE MEANS which states : YOU DO NOT PROVIDE A REASONABLE MEANS OF OPTING OUT IF : ( A ) THE MEANS OF OPTING OUT IS FOR THE CONSUMER TO WRITE HIS OR HER OWN LETTER TO EXERCISE THAT OPT OUT RIGHT : OR ( B ) THE ONLY MEANS OF OPTING OUT AS DESCRIBED IN ANY NOTICE SUBSEQUENT TO THE NOTICE IS TO USE A CHECK-OFF BOX THAT YOU PROVIDED WITH THE INITIAL NOTICE BUT DID NOT INCLUDE WITH SUBSEQUENT NOTICE. According to 12 CFR 1016.7 ( h ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. Therefore has a 0% timely response rate to CFPB complaints.
What is the most common complaint about XXXX XXXX XXXX has violated section XXXX XXXX XXXX sub-section ( XXXX ) EXAMPLES ( XXXX ) UNREASONABLE MEANS which states : YOU DO NOT PROVIDE A REASONABLE MEANS OF OPTING OUT IF : ( A ) THE MEANS OF OPTING OUT IS FOR THE CONSUMER TO WRITE HIS OR HER OWN LETTER TO EXERCISE THAT OPT OUT RIGHT : OR ( B ) THE ONLY MEANS OF OPTING OUT AS DESCRIBED IN ANY NOTICE SUBSEQUENT TO THE NOTICE IS TO USE A CHECK-OFF BOX THAT YOU PROVIDED WITH THE INITIAL NOTICE BUT DID NOT INCLUDE WITH SUBSEQUENT NOTICE. According to 12 CFR 1016.7 ( h ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. Therefore?
The most common issue reported against XXXX XXXX XXXX has violated section XXXX XXXX XXXX sub-section ( XXXX ) EXAMPLES ( XXXX ) UNREASONABLE MEANS which states : YOU DO NOT PROVIDE A REASONABLE MEANS OF OPTING OUT IF : ( A ) THE MEANS OF OPTING OUT IS FOR THE CONSUMER TO WRITE HIS OR HER OWN LETTER TO EXERCISE THAT OPT OUT RIGHT : OR ( B ) THE ONLY MEANS OF OPTING OUT AS DESCRIBED IN ANY NOTICE SUBSEQUENT TO THE NOTICE IS TO USE A CHECK-OFF BOX THAT YOU PROVIDED WITH THE INITIAL NOTICE BUT DID NOT INCLUDE WITH SUBSEQUENT NOTICE. According to 12 CFR 1016.7 ( h ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. Therefore is "MISSED PAYMENTS" in the "you must provide A CLEAR AND CONSPICUOUS NOTICE to each of your consumers that accurately explains the right to opt out under that section. The notice MUST STATE : ( ii ) THAT THE CONSUMER HAS THE RIGHT TO OPT OUT OF THAT DISCLOSURE ; AND ( iii ) A REASONABLE MEANS BY WHICH THE CONSUMER MAY EXERCISE THE OPT OUT RIGHT. With that being said" product category.
Read our methodology — how this data is sourced, computed, and verified.
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