Quick analysis: 2022 Starts With a Bang
CFPB Complaints (+1.9%) inched up over December, but FDCPA (+13.1%), FCRA (+14.2%) and TCPA (+35.1%) lawsuits all exploded out of the gate with double-digit percent increases over their previous month numbers.
In other news, putative class actions represented 9.1% of FDCPA, 39.7% of TCPA and 4.0% of FCRA lawsuits filed last month. About 43%(!) of all plaintiffs who filed suit last month had filed at least once before. And finally, Florida attorney Thomas John Patti took the top spot for representing the most consumers in January and the year so far with 79 consumers represented.
| Current Month: | Previous Month: | Previous Year: |
Year to Date: | Year to Date Comp: |
|||||
|---|---|---|---|---|---|---|---|---|---|
| Jan 01, 2022 Jan 31, 2022 |
Dec 01, 2021 Dec 31, 2021 |
Jan 01, 2021 Jan 31, 2021 |
Jan 01, 2022 Jan 31, 2022 |
Jan 01, 2021 Jan 31, 2021 |
|||||
| CFPB | 5035 | 4941 | 1.9% | 5031 | 0.1% | 5035 | 5031 | 0.1% | |
| FDCPA | 518 | 458 | 13.1% | 494 | 4.9% | 518 | 494 | 4.9% | |
| FCRA | 524 | 459 | 14.2% | 461 | 13.7% | 524 | 461 | 13.7% | |
| TCPA | 131 | 97 | 35.1% | 239 | -45.2% | 131 | 239 | -45.2% | |
Complaint Statistics:
5035 consumers filed CFPB complaints, and about 1006 consumers filed lawsuits under consumer statutes from Jan 01, 2022 to Jan 31, 2022.
- 5035 CFPB Complaints
- 518 FDCPA, 47 Class Action (9.1%)
- 131 TCPA, 52 Class Action (39.7%)
- 524 FCRA, 21 Class Action (4.0%)
Litigation Summary (scroll down for CFPB data):
- Of those cases, there were about 1006 unique plaintiffs (including multiple plaintiffs in one suit).
- Of those plaintiffs, about 429, or (43%), had sued under consumer statutes before.
- Combined, those plaintiffs have filed about 4177 lawsuits since 2001
- Actions were filed in 151 different US District Court branches.
- About 763 different collection firms and creditors were sued.
The top courts where lawsuits were filed:
- 69 Lawsuits: Illinois Northern District Court – Chicago
- 53 Lawsuits: Georgia Northern District Court – Atlanta
- 53 Lawsuits: Florida Middle District Court – Tampa
- 43 Lawsuits: Florida Southern District Court – Miami
- 42 Lawsuits: Florida Southern District Court – Fort Lauderdale
- 33 Lawsuits: Minnesota District Court – Dmn
- 31 Lawsuits: Nevada District Court – Las Vegas
- 29 Lawsuits: New York Eastern District Court – Brooklyn
- 28 Lawsuits: Pennsylvania Eastern District Court – Philadelphia
- 25 Lawsuits: California Central District Court – Western Division – Los Angeles
The most active consumer attorneys were:
- Representing 79 Consumers: THOMAS JOHN PATTI
- Representing 55 Consumers: JIBRAEL JARALLAH SAID HINDI
- Representing 28 Consumers: MATTHEW THOMAS BERRY
- Representing 17 Consumers: CHRISTOPHER NEIL ARMOR
- Representing 16 Consumers: JONATHAN F RABURN
- Representing 15 Consumers: SYED HASEEB HUSSAIN
- Representing 14 Consumers: DAVID J S MADGETT
- Representing 14 Consumers: OMAR TAYSEER SULAIMAN
- Representing 14 Consumers: YAAKOV SAKS
Statistics Year to Date:
1053 total lawsuits for 2022, including:
- 518 FDCPA
- 524 FCRA
- 131 TCPA
Number of Unique Plaintiffs for 2022: 1006 (including multiple plaintiffs in one suit)
The most active consumer attorneys of the year:
- Representing 79 Consumers: THOMAS JOHN PATTI
- Representing 55 Consumers: JIBRAEL JARALLAH SAID HINDI
- Representing 28 Consumers: MATTHEW THOMAS BERRY
- Representing 17 Consumers: CHRISTOPHER NEIL ARMOR
- Representing 16 Consumers: JONATHAN F RABURN
- Representing 15 Consumers: SYED HASEEB HUSSAIN
- Representing 14 Consumers: DAVID J S MADGETT
- Representing 14 Consumers: OMAR TAYSEER SULAIMAN
- Representing 14 Consumers: YAAKOV SAKS
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CFPB Complaint Statistics:
There were 5035 complaints filed against debt collectors from Jan 01, 2022 to Jan 31, 2022.
Total number of debt collectors complained about: 794
The types of debt behind the complaints were:
- 1294 I do not know (26%)
- 1289 Credit card debt (26%)
- 1169 Other debt (23%)
- 756 Medical debt (15%)
- 251 Auto debt (5%)
- 114 Payday loan debt (2%)
- 82 Mortgage debt (2%)
- 43 Private student loan debt (1%)
- 37 Federal student loan debt (1%)
Here is a breakdown of complaints:
- 2739 Attempts to collect debt not owed (54%)
- 1030 Written notification about debt (20%)
- 429 Took or threatened to take negative or legal action (9%)
- 390 False statements or representation (8%)
- 365 Communication tactics (7%)
- 82 Threatened to contact someone or share information improperly (2%)
The top five subissues were:
- 1463 Debt is not yours (29%)
- 790 Debt was result of identity theft (16%)
- 717 Didnt receive enough information to verify debt (14%)
- 406 Debt was paid (8%)
- 317 Attempted to collect wrong amount (6%)
The top states complaints were filed from are:
- 623 Complaints: TX
- 590 Complaints: FL
- 479 Complaints: GA
- 447 Complaints: CA
- 286 Complaints: NY
- 187 Complaints: IL
- 175 Complaints: PA
- 170 Complaints: NJ
- 170 Complaints: OH
- 141 Complaints: NC
The status of the month’s complaints are as follows:
- 3913 Closed with explanation (78%)
- 553 In progress (11%)
- 481 Closed with non-monetary relief (10%)
- 59 Untimely response (1%)
- 29 Closed with monetary relief (1%)
This includes 4898 (97%) timely responses to complaints, and 137 (3%) untimely responses.