Total complaints
3
Filed since In y
2026 data Public-data reference. official source
you are in fact a debt collector. I do not have a contract with XXXX. I refuse to pay XXXX. 15 USC 1692c clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt
3 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
3 consumer complaints filed with the CFPB
This profile shows you are in fact a debt collector. I do not have a contract with XXXX. I refuse to pay XXXX. 15 USC 1692c clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt's complaint history from CFPB public records. 3 consumers have filed complaints since In y. The company has a 0% timely response rate and has provided relief in 0% of cases.
3
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
3
States Active
In y
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.
you are in fact a debt collector. I do not have a contract with XXXX. I refuse to pay XXXX. 15 USC 1692c clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt complaint mix by product
- you stated 3 100.0% – 0% relief
How you are in fact a debt collector. I do not have a contract with XXXX. I refuse to pay XXXX. 15 USC 1692c clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt's 3 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| you stated that you process your transactions | 3 |
Top States
| State | Complaints |
|---|---|
| the debt collector must cease all communicationXXXX | 1 |
| the debt collector must cease all communicationXXXX This is your notification. If you continue to report to any credit reporting agency from this day forward | 1 |
| the debt collector must cease all communication.XXXX This is your notification. If you continue to report to any credit reporting agency from this day forward | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| respond to court orders and legal investigations | 3 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About you are in fact a debt collector. I do not have a contract with XXXX. I refuse to pay XXXX. 15 USC 1692c clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt
you are in fact a debt collector. I do not have a contract with XXXX. I refuse to pay XXXX. 15 USC 1692c clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt has accumulated 3 consumer complaints in the CFPB public database, with filings active across 3 U.S. states. Of those submissions, 3 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 In y, and the most recent logged activity is In your XX, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, you are in fact a debt collector. I do not have a contract with XXXX. I refuse to pay XXXX. 15 USC 1692c clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt 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 stated that you process your transactions", and the single most common underlying issue is "respond to court orders and legal investigations".
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 you are in fact a debt collector. I do not have a contract with XXXX. I refuse to pay XXXX. 15 USC 1692c clearly states If a consumer notifies a debt collector that the consumer refuses to pay a 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 you are in fact a debt collector. I do not have a contract with XXXX. I refuse to pay XXXX. 15 USC 1692c clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt have?
you are in fact a debt collector. I do not have a contract with XXXX. I refuse to pay XXXX. 15 USC 1692c clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt has received 3 consumer complaints filed with the Consumer Financial Protection Bureau.
Does you are in fact a debt collector. I do not have a contract with XXXX. I refuse to pay XXXX. 15 USC 1692c clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt respond to complaints on time?
you are in fact a debt collector. I do not have a contract with XXXX. I refuse to pay XXXX. 15 USC 1692c clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt has a 0% timely response rate to CFPB complaints.
What is the most common complaint about you are in fact a debt collector. I do not have a contract with XXXX. I refuse to pay XXXX. 15 USC 1692c clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt?
The most common issue reported against you are in fact a debt collector. I do not have a contract with XXXX. I refuse to pay XXXX. 15 USC 1692c clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt is "respond to court orders and legal investigations" in the "you stated that you process your transactions" product category.
Read our methodology — how this data is sourced, computed, and verified.
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