a debt collector shall

361 consumer complaints filed with the CFPB

This page summarizes consumer complaints about a debt collector shall products filed with the CFPB. 361 complaints have been filed across 32 companies. The most commonly reported issue is "send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer".

361
Total Complaints
32
Companies
send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer
Top Issue

Companies with Most a debt collector shall Complaints

# Company Complaints
1 the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt 244
2 the debt will be assumed to be valid by the debt collector. XXXX XXXX XXXX definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof 23
3 the debt will be assumed to be valid by the debt collector. Https : //www.merriam-webster.com/dictionary/receipt definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof 22
4 the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt 21
5 the debt will be assumed to be valid by the debt collector. XXXX XXXX XXXX definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof 9
6 the debt will be assumed to be valid by the debt collector ; ( 4 ) A statement that if the consumer notifies the debt collector In writing within thirty-day period that the debt 4
7 the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty- day period that the debt 3
8 the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the 30 day period that the debt 3
9 the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty day period that the debt 3
10 upon the consumers written request within the thirty-day period 2
11 the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt 2
12 the debt will be assumed to be valid by the debt collector. XXXX XXXX XXXXXXXX definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof 2
13 the debt will be assumed to be valid by the debt collector ; ( 4 ) A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt 2
14 the debt will be assumed to be valid by the debt collector : A Statement that if the consumer notifies the debt collector in writing within the XXXX period that the debt 2
15 the debt collector shall cease collection of the debt 2
16 as a counterparts on both sides of one or more financial markets and either [ 1 ] had one or more finial contracts of a total gross dollar value of at least $ 1billion in notional principal amount outstanding on any day during the previous 15 month period with counterparts that are not its affiliates or [ 2 ] had total gross mark to market positions of at least $ 100million [ aggregated across counter-parties ] in one or more financial contracts on any day during the previous 15 month period .... My answer is Yes i have 1
17 A statement that if the consumer notifies the debt collector in writing within the XXXX day day period that the debt 1
18 thedebt collector shall cease collection of the debt 1
19 the debt will be assumed to be valid by the debt collector ; 8. ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt 1
20 as well as my informing them that I may not be able to receive subsequent communiques until I re-established proper residency elsewhere. In fact 1
21 the debt will be assumed to be valid by the debt collector ;,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRUIST FINANCIAL CORPORATION,FL,33056,,Consent provided,Web,2023-07-28,Closed with explanation,Yes,N/A,7320022 1
22 Attorney Generals Office 1
23 the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirtyday period that the debt 1
24 the debt will be assumed to be valid by the debt collector ;. ( 4 ) a statement that if the consumer notices the debt col- lector in writing within the thirty-day period that the debt 1
25 except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( 1 ) through ( 5 ) of subsection ( b ) 1
26 the debt will be assumed to be valid by the debt collector ; 4. ( 4 ) a statement that if the consumer notifies the debt col- lector in writing within the thirty-day period that the debt 1
27 the debt will be assumed to be valid by the debt collectorXXXX XXXX XXXX XXXX definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof 1
28 the debt will be assumed to be valid by the debt collector ; XXXX XXXX Code XXXX Unfair practices A debt collector XXXX not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing 1
29 ON XXXX XXXX THAT WAS THE FIRST Attempt AND THE COLLECTION AGENCY STILL CONTINUE TO FURNISH THIS FALSE DEBT WITHOUT MY CONSENT. The company mentioned sendind a notice on XXXX/XXXX?? which is XXXX XXXX from my understanding this is a inaccurate date it should be DELETED ..the company mentioned again that a second attempt was mailed out to the address as:XXXX XXXX XXXX XXXX XXXX on XXXX 1
30 the debt will be assumed to be valid by the debt collector. 1
31 the debt will be assumed to be valid by the debt collector. XXXX XXXX XXXX XXXX of the word receipt is- a writing acknowledging the receiving of goods or money ; proof 1
32 the debt will be assumed to be valid by the debt collector. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is- a writing acknowledging the receiving of goods or money ; proof 1

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows for a debt collector shall

361 consumer complaints have been filed with the CFPB under the "a debt collector shall" product category, naming 32 distinct companies as the respondent. Product-level complaint counts are one of the most direct signals of where consumer friction is concentrated in the U.S. financial system — the CFPB routes each filing to the specific regulatory framework that governs its product class, so the volume here reflects real intake into federal and state consumer-protection channels, not casual survey sentiment.

Within a debt collector shall, the single most common underlying consumer complaint is "send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer". Issue concentration inside a product category is often more diagnostic than headline volume: when one issue dominates filings, it usually points to a recurring servicing, billing, reporting, or collection pattern that touches many providers at once. The table above ranks individual companies by filing volume within this product line and includes their timely-response rate and the share of cases closed with relief — two operational metrics that help separate firms handling complaint intake smoothly from those where resolutions stall or get disputed.

Complaint volume scales with market share — the largest issuers and servicers in a category will naturally generate more filings than smaller peers even at identical complaint rates per customer. A complaint on record is a consumer allegation, not a proven violation, and a company's presence here does not imply it broke any law. Use this page to understand the contour of consumer concerns around a debt collector shall, then drill into specific companies and cross-check against the CFPB Consumer Complaint Database. This page is informational only and is not financial, legal, or regulatory advice.

Data source: CFPB Consumer Complaint Database. Product categories are defined by the CFPB. Complaint counts reflect consumer-reported data and do not imply wrongdoing by any company.

Read our methodology — how this data is sourced, computed, and verified.

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