Blog/ Litigation Stats

Quick analysis: Another “Up” Month

In May, TCPA (+20.7%), FDCPA (+25.4%) and FCRA (+4.2%) suits were all up over April, and TCPA (+9.3%), FDCPA (+19.2%) and FCRA (+23.3%) suits were all up YTD as well. Meanwhile, CFPB complaints were a bit down for the month (-5.8%) but still way up for the year (85%!).

In other news, putative class actions represented 5.4% of FDCPA, 66.9%(!) of TCPA and 4.6% of FCRA lawsuits filed last month. TCPA class actions are still extraordinarily high, historically speaking. About 42% of all plaintiffs who filed suit last month had filed at least once before. And finally, Minneapolis credit repair attorney represented the most consumers in May (33) while Tampa attorney Octavio Gomez took the top spot again for representing the most consumers YTD (129).

Current Month: Previous Month: Previous
Year:
Year to Date: Year to
Date Comp:
May 01, 2024
May 31, 2024
Apr 01, 2024
Apr 30, 2024
May 01, 2023
May 31, 2023
Jan 01, 2024
May 31, 2024
Jan 01, 2023
May 31, 2023
CFPB  12297 13049 -5.8% 5960 106.3% 54267 29336 85.0%
FDCPA  445 355 25.4% 330 34.8% 1935 1623 19.2%
FCRA  546 524 4.2% 501 9.0% 2744 2226 23.3%
TCPA  163 135 20.7% 224 -27.2% 774 708 9.3%

 

Complaint Statistics:

12297 consumers filed CFPB complaints, and about 993 consumers filed lawsuits under consumer statutes from May 01, 2024 to May 31, 2024.

  • 12297 CFPB Complaints
  • 445 FDCPA, 24 Class Action (5.4%)
  • 163 TCPA, 109 Class Action (66.9%)
  • 546 FCRA, 25 Class Action (4.6%)

Litigation Summary (scroll down for CFPB data):

  • Of those cases, there were about 993 unique plaintiffs (including multiple plaintiffs in one suit).
  • Of those plaintiffs, about 414, or (42%), had sued under consumer statutes before.
  • Combined, those plaintiffs have filed about 3095 lawsuits since 2001
  • Actions were filed in 155 different US District Court branches.
  • About 686 different collection firms and creditors were sued.

The top courts where lawsuits were filed:

  • 73 Lawsuits: Georgia Northern District Court – Atlanta
  • 48 Lawsuits: Florida Middle District Court – Tampa
  • 46 Lawsuits: California Central District Court – Western Division – Los Angeles
  • 43 Lawsuits: Minnesota District Court – Dmn
  • 39 Lawsuits: Illinois Northern District Court – Chicago
  • 30 Lawsuits: New York Southern District Court – Foley Square
  • 30 Lawsuits: Texas Northern District Court – Dallas
  • 29 Lawsuits: Florida Middle District Court – Orlando
  • 23 Lawsuits: California Central District Court – Southern Division – Santa Ana
  • 19 Lawsuits: Texas Western District Court – Austin

The most active consumer attorneys were:

  • Representing 33 Consumers: DAVID J S MADGETT
  • Representing 32 Consumers: OCTAVIO GOMEZ
  • Representing 25 Consumers: RYAN LEE MCBRIDE
  • Representing 17 Consumers: JOEL SPENCER HALVORSEN
  • Representing 16 Consumers: MOHAMMAD KAZEROUNI
  • Representing 15 Consumers: FETHULLAH GULEN
  • Representing 14 Consumers: YITZCHAK ZELMAN
  • Representing 13 Consumers: JENNIFER GOMES SIMIL
  • Representing 12 Consumers: JENNA DAKROUB
  • Representing 12 Consumers: MATTHEW THOMAS BERRY

Statistics Year to Date:
4525 total lawsuits for 2024, including:

  • 1935 FDCPA
  • 2744 FCRA
  • 774 TCPA

Number of Unique Plaintiffs for 2024: 4465 (including multiple plaintiffs in one suit)

The most active consumer attorneys of the year:

  • Representing 129 Consumers: OCTAVIO GOMEZ
  • Representing 127 Consumers: ZAREH JACK KOUSIAN
  • Representing 127 Consumers: MELKON RAFI MELKONIAN
  • Representing 127 Consumers: EILEEN KEUSSEYAN
  • Representing 127 Consumers: HAROUT GREG KEOSIAN
  • Representing 100 Consumers: ZHENYA A BAGDASARYAN
  • Representing 100 Consumers: NELLY ISPIRYAN
  • Representing 100 Consumers: EUGENE PATTERSON HARRIS
  • Representing 100 Consumers: TAMAR G ARMINAK
  • Representing 71 Consumers: ELLIOT ELO

——————————————————————————————————-
CFPB Complaint Statistics:

There were 12297 complaints filed against debt collectors from May 01, 2024 to May 31, 2024.

Total number of debt collectors complained about: 858

The types of debt behind the complaints were:

  • 5241 I do not know (43%)
  • 2181 Other debt (18%)
  • 2145 Credit card debt (17%)
  • 773 Telecommunications debt (6%)
  • 695 Rental debt (6%)
  • 599 Medical debt (5%)
  • 353 Auto debt (3%)
  • 157 Payday loan debt (1%)
  • 67 Mortgage debt (1%)
  • 57 Private student loan debt (0%)
  • 29 Federal student loan debt (0%)

Here is a breakdown of complaints:

  • 5517 Attempts to collect debt not owed (45%)
  • 4778 Written notification about debt (39%)
  • 741 Took or threatened to take negative or legal action (6%)
  • 515 False statements or representation (4%)
  • 463 Communication tactics (4%)
  • 154 Electronic communications (1%)
  • 129 Threatened to contact someone or share information improperly (1%)

The top five subissues were:

  • 3364 Debt is not yours (27%)
  • 2485 Notification didnt disclose it was an attempt to collect a debt (20%)
  • 1473 Debt was result of identity theft (12%)
  • 1209 Didnt receive notice of right to dispute (10%)
  • 1084 Didnt receive enough information to verify debt (9%)

The top states complaints were filed from are:

  • 2207 Complaints: TX
  • 1449 Complaints: FL
  • 1121 Complaints: CA
  • 895 Complaints: GA
  • 621 Complaints: NY
  • 493 Complaints: PA
  • 427 Complaints: IL
  • 404 Complaints: VA
  • 359 Complaints: NC
  • 323 Complaints: MD

The status of the month’s complaints are as follows:

  • 6146 Closed with explanation (50%)
  • 4398 In progress (36%)
  • 1722 Closed with non-monetary relief (14%)
  • 16 Closed with monetary relief (0%)
  • 15 Untimely response (0%)

This includes 12206 (99%) timely responses to complaints, and 91 (1%) untimely responses.

Quick analysis: Almost Everything Up

In April, FDCPA (+12.7%) and FCRA (+12.7%) suits were up over March, and TCPA (+26.2%), FDCPA (+15.2%) and FCRA (+27.4%) suits were all up YTD. CFPB complaints were also up for the month (+2%) and the year (77.9%!). The only holdup from a complete sweep was April TCPA suits, which ticked down -2.9% from March.

In other news, putative class actions represented 5.9% of FDCPA, 68.1%(!) of TCPA and 7.4%(!) of FCRA lawsuits filed last month. TCPA class actions are still extraordinarily high, historically speaking. About 44% of all plaintiffs who filed suit last month had filed at least once before. And finally, Tampa attorney Octavio Gomez took the top spot again for representing the most consumers (34) in April and YTD (97). Technically, two other firms have higher plaintiff counts by bundling a whole bunch of plaintiffs into a couple of suits, but we’re not going to count that here.

Current Month: Previous Month: Previous
Year:
Year to Date: Year to
Date Comp:
Apr 01, 2024
Apr 30, 2024
Mar 01, 2024
Mar 31, 2024
Apr 01, 2023
Apr 30, 2023
Jan 01, 2024
Apr 30, 2024
Jan 01, 2023
Apr 30, 2023
CFPB  12792 12540 2.0% 5580 129.2% 41576 23376 77.9%
FDCPA  355 315 12.7% 291 22.0% 1490 1293 15.2%
FCRA  524 465 12.7% 420 24.8% 2198 1725 27.4%
TCPA  135 139 -2.9% 113 19.5% 611 484 26.2%

 

Complaint Statistics:

12792 consumers filed CFPB complaints, and about 820 consumers filed lawsuits under consumer statutes from Apr 01, 2024 to Apr 30, 2024.

  • 12792 CFPB Complaints
  • 355 FDCPA, 21 Class Action (5.9%)
  • 135 TCPA, 92 Class Action (68.1%)
  • 524 FCRA, 39 Class Action (7.4%)

Litigation Summary (scroll down for CFPB data):

  • Of those cases, there were about 820 unique plaintiffs (including multiple plaintiffs in one suit).
  • Of those plaintiffs, about 359, or (44%), had sued under consumer statutes before.
  • Combined, those plaintiffs have filed about 2580 lawsuits since 2001
  • Actions were filed in 141 different US District Court branches.
  • About 570 different collection firms and creditors were sued.

The top courts where lawsuits were filed:

  • 61 Lawsuits: Georgia Northern District Court – Atlanta
  • 46 Lawsuits: California Central District Court – Western Division – Los Angeles
  • 33 Lawsuits: Florida Middle District Court – Tampa
  • 33 Lawsuits: Illinois Northern District Court – Chicago
  • 32 Lawsuits: Florida Middle District Court – Orlando
  • 24 Lawsuits: Florida Southern District Court – Miami
  • 21 Lawsuits: Texas Southern District Court – Houston
  • 19 Lawsuits: Indiana Southern District Court – Indianapolis
  • 19 Lawsuits: California Central District Court – Southern Division – Santa Ana
  • 18 Lawsuits: Minnesota District Court – Dmn

The most active consumer attorneys were:

  • Representing 34 Consumers: OCTAVIO GOMEZ
  • Representing 20 Consumers: ELLIOT ELO
  • Representing 13 Consumers: FRANK H KERNEY
  • Representing 13 Consumers: MATTHEW FORSBERG
  • Representing 13 Consumers: GLORIA CHI-KI LAM
  • Representing 12 Consumers: YITZCHAK ZELMAN
  • Representing 12 Consumers: JENNIFER GOMES SIMIL
  • Representing 12 Consumers: TODD M FRIEDMAN
  • Representing 11 Consumers: CRAIG B SANDERS
  • Representing 10 Consumers: ADRIAN ROBERT BACON

Statistics Year to Date:
3504 total lawsuits for 2024, including:

  • 1490 FDCPA
  • 2198 FCRA
  • 611 TCPA

Number of Unique Plaintiffs for 2024: 3570 (including multiple plaintiffs in one suit)

The most active consumer attorneys of the year:

  • Representing 127 Consumers: HAROUT GREG KEOSIAN
  • Representing 127 Consumers: ZAREH JACK KOUSIAN
  • Representing 127 Consumers: MELKON RAFI MELKONIAN
  • Representing 127 Consumers: EILEEN KEUSSEYAN
  • Representing 100 Consumers: ZHENYA A BAGDASARYAN
  • Representing 100 Consumers: NELLY ISPIRYAN
  • Representing 100 Consumers: EUGENE PATTERSON HARRIS
  • Representing 100 Consumers: TAMAR G ARMINAK
  • Representing 97 Consumers: OCTAVIO GOMEZ
  • Representing 64 Consumers: ELLIOT ELO

——————————————————————————————————-
CFPB Complaint Statistics:

There were 12792 complaints filed against debt collectors from Apr 01, 2024 to Apr 30, 2024.

Total number of debt collectors complained about: 883

The types of debt behind the complaints were:

  • 6335 I do not know (50%)
  • 2151 Credit card debt (17%)
  • 1683 Other debt (13%)
  • 758 Telecommunications debt (6%)
  • 645 Rental debt (5%)
  • 584 Medical debt (5%)
  • 353 Auto debt (3%)
  • 152 Payday loan debt (1%)
  • 54 Mortgage debt (0%)
  • 41 Private student loan debt (0%)
  • 36 Federal student loan debt (0%)

Here is a breakdown of complaints:

  • 5549 Attempts to collect debt not owed (43%)
  • 5068 Written notification about debt (40%)
  • 707 Took or threatened to take negative or legal action (6%)
  • 635 False statements or representation (5%)
  • 522 Communication tactics (4%)
  • 158 Electronic communications (1%)
  • 153 Threatened to contact someone or share information improperly (1%)

The top five subissues were:

  • 3425 Debt is not yours (27%)
  • 2928 Notification didnt disclose it was an attempt to collect a debt (23%)
  • 1468 Debt was result of identity theft (11%)
  • 1175 Didnt receive enough information to verify debt (9%)
  • 965 Didnt receive notice of right to dispute (8%)

The top states complaints were filed from are:

  • 2366 Complaints: TX
  • 1526 Complaints: FL
  • 1230 Complaints: CA
  • 972 Complaints: GA
  • 725 Complaints: IL
  • 691 Complaints: NY
  • 514 Complaints: PA
  • 356 Complaints: NC
  • 308 Complaints: AZ
  • 305 Complaints: VA

The status of the month’s complaints are as follows:

  • 6259 Closed with explanation (49%)
  • 4010 In progress (31%)
  • 2433 Closed with non-monetary relief (19%)
  • 65 Untimely response (1%)
  • 25 Closed with monetary relief (0%)

This includes 12658 (99%) timely responses to complaints, and 134 (1%) untimely responses.

Quick analysis: Mixed March, YTD Numbers Still Riding High

It has been a robust Q1 in the world of consumer complaints. Similar to February, the consumer complaint/litigation numbers are mixed for March (TCPA +1.5%, FDCPA -13.1%, FCRA -30.6%), but the year to date numbers are all still way up in the double digits over the same period last year (TCPA +26.6%, FDCPA +12.9%, FCRA +28.4%). CFPB complaints were up both in March (+36%) and YTD (a dramatic +60.4%).

In other news, putative class actions represented 10% of FDCPA, 60.4%(!) of TCPA and 4.1% of FCRA lawsuits filed last month. TCPA class actions are still extraordinarily high, historically speaking. About 40% of all plaintiffs who filed suit last month had filed at least once before. And finally, Tampa attorney Octavio Gomez took the top spot for representing the most consumers (22) in March and YTD (63). Technically, two other firms have higher plaintiff counts by bundling a whole bunch of plaintiffs into a couple of suits, but we’re not going to count that here.

Current Month: Previous Month: Previous
Year:
Year to Date: Year to
Date Comp:
Mar 01, 2024
Mar 31, 2024
Feb 01, 2024
Feb 29, 2024
Mar 01, 2023
Mar 31, 2023
Jan 01, 2024
Mar 31, 2024
Jan 01, 2023
Mar 31, 2023
CFPB  12335 8876 39.0% 6387 93.1% 28550 17796 60.4%
FDCPA  319 367 -13.1% 347 -8.1% 1143 1012 12.9%
FCRA  469 676 -30.6% 474 -1.1% 1681 1309 28.4%
TCPA  139 137 1.5% 136 2.2% 476 376 26.6%

 

Complaint Statistics:

12335 consumers filed CFPB complaints, and about 904 consumers filed lawsuits under consumer statutes from Mar 01, 2024 to Mar 31, 2024.

  • 12335 CFPB Complaints
  • 319 FDCPA, 32 Class Action (10.0%)
  • 139 TCPA, 84 Class Action (60.4%)
  • 469 FCRA, 19 Class Action (4.1%)

Litigation Summary (scroll down for CFPB data):

  • Of those cases, there were about 904 unique plaintiffs (including multiple plaintiffs in one suit).
  • Of those plaintiffs, about 363, or (40%), had sued under consumer statutes before.
  • Combined, those plaintiffs have filed about 2625 lawsuits since 2001
  • Actions were filed in 146 different US District Court branches.
  • About 564 different collection firms and creditors were sued.

The top courts where lawsuits were filed:

  • 67 Lawsuits: Georgia Northern District Court – Atlanta
  • 39 Lawsuits: Florida Middle District Court – Tampa
  • 35 Lawsuits: Illinois Northern District Court – Chicago
  • 32 Lawsuits: California Central District Court – Western Division – Los Angeles
  • 21 Lawsuits: New York Eastern District Court – Brooklyn
  • 20 Lawsuits: Texas Southern District Court – Houston
  • 20 Lawsuits: Indiana Southern District Court – Indianapolis
  • 19 Lawsuits: Florida Middle District Court – Orlando
  • 19 Lawsuits: Arizona District Court – Phoenix
  • 17 Lawsuits: New Jersey District Court – Newark

The most active consumer attorneys were:

  • Representing 100 Consumers: ZHENYA A BAGDASARYAN
  • Representing 100 Consumers: NELLY ISPIRYAN
  • Representing 100 Consumers: EUGENE PATTERSON HARRIS
  • Representing 100 Consumers: TAMAR G ARMINAK
  • Representing 22 Consumers: OCTAVIO GOMEZ
  • Representing 15 Consumers: YITZCHAK ZELMAN
  • Representing 15 Consumers: JENNIFER GOMES SIMIL
  • Representing 14 Consumers: MATTHEW THOMAS BERRY
  • Representing 14 Consumers: FRANK H KERNEY
  • Representing 13 Consumers: CHRISTOPHER NEIL ARMOR

Statistics Year to Date:
2673 total lawsuits for 2024, including:

  • 1143 FDCPA
  • 1681 FCRA
  • 476 TCPA

Number of Unique Plaintiffs for 2024: 2838 (including multiple plaintiffs in one suit)

The most active consumer attorneys of the year:

  • Representing 127 Consumers: MELKON RAFI MELKONIAN
  • Representing 127 Consumers: EILEEN KEUSSEYAN
  • Representing 127 Consumers: HAROUT GREG KEOSIAN
  • Representing 127 Consumers: ZAREH JACK KOUSIAN
  • Representing 100 Consumers: NELLY ISPIRYAN
  • Representing 100 Consumers: EUGENE PATTERSON HARRIS
  • Representing 100 Consumers: TAMAR G ARMINAK
  • Representing 100 Consumers: ZHENYA A BAGDASARYAN
  • Representing 63 Consumers: OCTAVIO GOMEZ
  • Representing 55 Consumers: CHRIS R MILTENBERGER

——————————————————————————————————-
CFPB Complaint Statistics:

There were 12335 complaints filed against debt collectors from Mar 01, 2024 to Mar 31, 2024.

Total number of debt collectors complained about: 900

The types of debt behind the complaints were:

  • 5209 I do not know (42%)
  • 2249 Credit card debt (18%)
  • 1916 Other debt (16%)
  • 903 Telecommunications debt (7%)
  • 648 Rental debt (5%)
  • 632 Medical debt (5%)
  • 419 Auto debt (3%)
  • 172 Payday loan debt (1%)
  • 95 Mortgage debt (1%)
  • 52 Private student loan debt (0%)
  • 40 Federal student loan debt (0%)

Here is a breakdown of complaints:

  • 5962 Attempts to collect debt not owed (48%)
  • 4361 Written notification about debt (35%)
  • 677 Took or threatened to take negative or legal action (5%)
  • 549 False statements or representation (4%)
  • 486 Communication tactics (4%)
  • 174 Electronic communications (1%)
  • 126 Threatened to contact someone or share information improperly (1%)

The top five subissues were:

  • 3568 Debt is not yours (29%)
  • 1740 Notification didnt disclose it was an attempt to collect a debt (14%)
  • 1552 Debt was result of identity theft (13%)
  • 1445 Didnt receive notice of right to dispute (12%)
  • 1176 Didnt receive enough information to verify debt (10%)

The top states complaints were filed from are:

  • 1836 Complaints: TX
  • 1485 Complaints: FL
  • 1298 Complaints: CA
  • 900 Complaints: GA
  • 711 Complaints: IL
  • 688 Complaints: NY
  • 602 Complaints: PA
  • 378 Complaints: NJ
  • 350 Complaints: AZ
  • 300 Complaints: NC

The status of the month’s complaints are as follows:

  • 6622 Closed with explanation (54%)
  • 3258 In progress (26%)
  • 2335 Closed with non-monetary relief (19%)
  • 95 Untimely response (1%)
  • 25 Closed with monetary relief (0%)

This includes 12128 (98%) timely responses to complaints, and 207 (2%) untimely responses.

Quick analysis: Mixed Feb, But YTD Complaints Still High

For Feb 2024, FDCPA cases (-20.1%) and TCPA cases (-32%) fell while FCRA cases (+26.4%) and CFPB complaints (+20.4) increased. YTD, everything is still way up.

YTD, everything is still up over 2023 by double digits:
FDCPA +19.8%
TCPA +32.8%
FCRA +40.4%
CFPB +39.2%

In other news, putative class actions represented 4.9% of FDCPA, 66.9%(!) of TCPA and 9.5%(!) of FCRA lawsuits filed last month. TCPA and FCRA class actions are extraordinarily high, historically speaking. About 37% of all plaintiffs who filed suit last month had filed at least once before. And finally, Encino attorney Melkon R. Melkonian gets his first crack at the top spot for representing the most consumers (127) in February and YTD (though it’s by bundling a bunch of plaintiffs into a couple of suits).

Current Month: Previous Month: Previous
Year:
Year to Date: Year to
Date Comp:
Feb 01, 2024
Feb 29, 2024
Jan 01, 2024
Jan 31, 2024
Feb 01, 2023
Mar 01, 2023
Jan 01, 2024
Feb 29, 2024
Jan 01, 2023
Mar 01, 2023
CFPB  8838 7338 20.4% 5538 59.6% 16176 11617 39.2%
FDCPA  365 457 -20.1% 339 7.7% 822 686 19.8%
FCRA  675 534 26.4% 418 61.5% 1209 861 40.4%
TCPA  136 200 -32.0% 120 13.3% 336 253 32.8%

 

Complaint Statistics:

8838 consumers filed CFPB complaints, and about 1041 consumers filed lawsuits under consumer statutes from Feb 01, 2024 to Feb 29, 2024.

  • 8838 CFPB Complaints
  • 365 FDCPA, 18 Class Action (4.9%)
  • 136 TCPA, 91 Class Action (66.9%)
  • 675 FCRA, 64 Class Action (9.5%)

Litigation Summary (scroll down for CFPB data):

  • Of those cases, there were about 1041 unique plaintiffs (including multiple plaintiffs in one suit).
  • Of those plaintiffs, about 382, or (37%), had sued under consumer statutes before.
  • Combined, those plaintiffs have filed about 4182 lawsuits since 2001
  • Actions were filed in 160 different US District Court branches.
  • About 597 different collection firms and creditors were sued.

The top courts where lawsuits were filed:

  • 65 Lawsuits: Georgia Northern District Court – Atlanta
  • 47 Lawsuits: Illinois Northern District Court – Chicago
  • 36 Lawsuits: Florida Middle District Court – Tampa
  • 30 Lawsuits: Florida Middle District Court – Orlando
  • 28 Lawsuits: Minnesota District Court – Dmn
  • 27 Lawsuits: California Central District Court – Western Division – Los Angeles
  • 25 Lawsuits: New York Southern District Court – Foley Square
  • 23 Lawsuits: Texas Southern District Court – Houston
  • 22 Lawsuits: New York Eastern District Court – Brooklyn
  • 22 Lawsuits: Pennsylvania Eastern District Court – Philadelphia

The most active consumer attorneys were:

  • Representing 127 Consumers: EILEEN KEUSSEYAN
  • Representing 127 Consumers: HAROUT GREG KEOSIAN
  • Representing 127 Consumers: ZAREH JACK KOUSIAN
  • Representing 127 Consumers: MELKON RAFI MELKONIAN
  • Representing 53 Consumers: ANI AZADIAN
  • Representing 53 Consumers: GEORGE S AZADIAN
  • Representing 24 Consumers: ELLIOT ELO
  • Representing 17 Consumers: RYAN LEE MCBRIDE
  • Representing 16 Consumers: OCTAVIO GOMEZ
  • Representing 15 Consumers: MATTHEW FORSBERG

Statistics Year to Date:
1856 total lawsuits for 2024, including:

  • 822 FDCPA
  • 1209 FCRA
  • 336 TCPA

Number of Unique Plaintiffs for 2024: 1974 (including multiple plaintiffs in one suit)

The most active consumer attorneys of the year:

  • Representing 127 Consumers: ZAREH JACK KOUSIAN
  • Representing 127 Consumers: MELKON RAFI MELKONIAN
  • Representing 127 Consumers: EILEEN KEUSSEYAN
  • Representing 127 Consumers: HAROUT GREG KEOSIAN
  • Representing 55 Consumers: CHRIS R MILTENBERGER
  • Representing 53 Consumers: ANI AZADIAN
  • Representing 53 Consumers: GEORGE S AZADIAN
  • Representing 40 Consumers: OCTAVIO GOMEZ
  • Representing 36 Consumers: ELLIOT ELO
  • Representing 29 Consumers: MATTHEW THOMAS BERRY

——————————————————————————————————-
CFPB Complaint Statistics:

There were 8838 complaints filed against debt collectors from Feb 01, 2024 to Feb 29, 2024.

Total number of debt collectors complained about: 868

The types of debt behind the complaints were:

  • 2224 I do not know (25%)
  • 2124 Credit card debt (24%)
  • 1583 Other debt (18%)
  • 909 Telecommunications debt (10%)
  • 634 Medical debt (7%)
  • 584 Rental debt (7%)
  • 428 Auto debt (5%)
  • 178 Payday loan debt (2%)
  • 87 Mortgage debt (1%)
  • 48 Federal student loan debt (1%)
  • 39 Private student loan debt (0%)

Here is a breakdown of complaints:

  • 4521 Attempts to collect debt not owed (51%)
  • 2434 Written notification about debt (28%)
  • 657 Took or threatened to take negative or legal action (7%)
  • 557 False statements or representation (6%)
  • 410 Communication tactics (5%)
  • 136 Electronic communications (2%)
  • 123 Threatened to contact someone or share information improperly (1%)

The top five subissues were:

  • 2098 Debt is not yours (24%)
  • 1686 Debt was result of identity theft (19%)
  • 1337 Didnt receive enough information to verify debt (15%)
  • 1058 Didnt receive notice of right to dispute (12%)
  • 600 Debt was paid (7%)

The top states complaints were filed from are:

  • 1165 Complaints: CA
  • 981 Complaints: TX
  • 877 Complaints: FL
  • 695 Complaints: GA
  • 523 Complaints: NY
  • 417 Complaints: PA
  • 335 Complaints: IL
  • 283 Complaints: NJ
  • 256 Complaints: NC
  • 237 Complaints: OH

The status of the month’s complaints are as follows:

  • 5827 Closed with explanation (66%)
  • 1725 In progress (20%)
  • 1171 Closed with non-monetary relief (13%)
  • 91 Untimely response (1%)
  • 24 Closed with monetary relief (0%)

This includes 8674 (98%) timely responses to complaints, and 164 (2%) untimely responses.

Quick analysis: 2024 Starts with a ROAR

We can’t remember the last time consumer complaints and litigation had such a strong month across the board. Everything in January was up double digit percentages over Dec 2023: TCPA +78.6%(!), FDCPA +24.1%, FCRA +23.8%. And everything was also up double digit percentages YTD against last year: TCPA +50.4%, FDCPA +30.5%, FCRA +19.6%. CFPB complaints were similarly up +14.8% for the month and +14.3% YTD.

For some context, here’s a thought experiment. If every month in 2024 ends up like January, TCPA litigation would end the year 42.6% up over 2023, FDCPA would be 30.5% up and FCRA would be 13.8% higher. That’s a pattern we haven’t seen in many years, but of course these numbers are only one month in to 2024 and don’t really mean anything yet. Other than, wow, what a month.

In other news, putative class actions represented 5.3% of FDCPA, 32% of TCPA and 2.6% of FCRA lawsuits filed last month. About 48%(!) of all plaintiffs who filed suit last month had filed at least once before. And finally, Dallas-area attorney Chris R. Miltenberger gets his first crack at the top spot for representing the most consumers in January (as well as YTD) with 54 consumers represented.

Current Month: Previous Month: Previous
Year:
Year to Date: Year to
Date Comp:
Jan 01, 2024
Jan 31, 2024
Dec 01, 2023
Dec 31, 2023
Jan 01, 2023
Jan 31, 2023
Jan 01, 2024
Jan 31, 2024
Jan 01, 2023
Jan 31, 2023
CFPB  6947 6051 14.8% 6079 14.3% 6947 6079 14.3%
FDCPA  453 365 24.1% 347 30.5% 453 347 30.5%
FCRA  530 428 23.8% 443 19.6% 530 443 19.6%
TCPA  200 112 78.6% 133 50.4% 200 133 50.4%

 

Complaint Statistics:

6947 consumers filed CFPB complaints, and about 976 consumers filed lawsuits under consumer statutes from Jan 01, 2024 to Jan 31, 2024.

  • 6947 CFPB Complaints
  • 453 FDCPA, 24 Class Action (5.3%)
  • 200 TCPA, 64 Class Action (32.0%)
  • 530 FCRA, 14 Class Action (2.6%)

Litigation Summary (scroll down for CFPB data):

  • Of those cases, there were about 976 unique plaintiffs (including multiple plaintiffs in one suit).
  • Of those plaintiffs, about 468, or (48%), had sued under consumer statutes before.
  • Combined, those plaintiffs have filed about 7202 lawsuits since 2001
  • Actions were filed in 155 different US District Court branches.
  • About 681 different collection firms and creditors were sued.

The top courts where lawsuits were filed:

  • 56 Lawsuits: Florida Middle District Court – Tampa
  • 56 Lawsuits: Georgia Northern District Court – Atlanta
  • 36 Lawsuits: Illinois Northern District Court – Chicago
  • 31 Lawsuits: Texas Northern District Court – Dallas
  • 30 Lawsuits: California Central District Court – Western Division – Los Angeles
  • 29 Lawsuits: Indiana Southern District Court – Indianapolis
  • 28 Lawsuits: Florida Middle District Court – Orlando
  • 27 Lawsuits: California Southern District Court – San Diego
  • 23 Lawsuits: Texas Southern District Court – Houston
  • 22 Lawsuits: Florida Southern District Court – Fort Lauderdale

The most active consumer attorneys were:

  • Representing 54 Consumers: CHRIS R MILTENBERGER
  • Representing 24 Consumers: OCTAVIO GOMEZ
  • Representing 18 Consumers: DAVID J PHILIPPS
  • Representing 17 Consumers: MATTHEW THOMAS BERRY
  • Representing 17 Consumers: SHAWN SHAWN JAFFER
  • Representing 15 Consumers: JONATHAN ALEXANDER HEEPS
  • Representing 14 Consumers: CHRISTOPHER NEIL ARMOR
  • Representing 13 Consumers: FRANK H KERNEY
  • Representing 12 Consumers: ELLIOT ELO
  • Representing 12 Consumers: JENNIFER GOMES SIMIL

Statistics Year to Date:
960 total lawsuits for 2024, including:

  • 453 FDCPA
  • 530 FCRA
  • 200 TCPA

Number of Unique Plaintiffs for 2024: 976 (including multiple plaintiffs in one suit)

The most active consumer attorneys of the year:

  • Representing 54 Consumers: CHRIS R MILTENBERGER
  • Representing 24 Consumers: OCTAVIO GOMEZ
  • Representing 18 Consumers: DAVID J PHILIPPS
  • Representing 17 Consumers: MATTHEW THOMAS BERRY
  • Representing 17 Consumers: SHAWN SHAWN JAFFER
  • Representing 15 Consumers: JONATHAN ALEXANDER HEEPS
  • Representing 14 Consumers: CHRISTOPHER NEIL ARMOR
  • Representing 13 Consumers: FRANK H KERNEY
  • Representing 12 Consumers: ELLIOT ELO
  • Representing 12 Consumers: JENNIFER GOMES SIMIL

——————————————————————————————————-
CFPB Complaint Statistics:

There were 6947 complaints filed against debt collectors from Jan 01, 2024 to Jan 31, 2024.

Total number of debt collectors complained about: 778

The types of debt behind the complaints were:

  • 1901 I do not know (27%)
  • 1759 Credit card debt (25%)
  • 1203 Other debt (17%)
  • 522 Medical debt (8%)
  • 470 Rental debt (7%)
  • 437 Telecommunications debt (6%)
  • 356 Auto debt (5%)
  • 140 Payday loan debt (2%)
  • 64 Mortgage debt (1%)
  • 59 Federal student loan debt (1%)
  • 36 Private student loan debt (1%)

Here is a breakdown of complaints:

  • 3599 Attempts to collect debt not owed (52%)
  • 1699 Written notification about debt (24%)
  • 570 Took or threatened to take negative or legal action (8%)
  • 463 False statements or representation (7%)
  • 389 Communication tactics (6%)
  • 120 Electronic communications (2%)
  • 107 Threatened to contact someone or share information improperly (2%)

The top five subissues were:

  • 1602 Debt is not yours (23%)
  • 1413 Debt was result of identity theft (20%)
  • 1388 Didnt receive enough information to verify debt (20%)
  • 474 Debt was paid (7%)
  • 371 Attempted to collect wrong amount (5%)

The top states complaints were filed from are:

  • 917 Complaints: CA
  • 903 Complaints: TX
  • 644 Complaints: FL
  • 482 Complaints: NY
  • 445 Complaints: GA
  • 358 Complaints: IL
  • 300 Complaints: PA
  • 215 Complaints: NJ
  • 191 Complaints: LA
  • 182 Complaints: OH

The status of the month’s complaints are as follows:

  • 4263 Closed with explanation (61%)
  • 1661 In progress (24%)
  • 916 Closed with non-monetary relief (13%)
  • 86 Untimely response (1%)
  • 21 Closed with monetary relief (0%)

This includes 6810 (98%) timely responses to complaints, and 137 (2%) untimely responses.

Quick analysis: Down December & Year in Review

The final stats of 2023 are in and for the first time since June, they show the big three statutes (TCPA -4.3%, FDCPA -.3%, FCRA -14.1%) all down from the previous month. CFPB complaints ended the month up +9.4%.

It’s been another wild year of swings for all of the big three, with two of them (FDCPA -8.2%, FCRA -.9%) ending the year down while TCPA (+9.4%) staged somewhat of a roaring comeback after two years of drops. CFPB complaints ended the year up +2.1% over 2022.

Here are a couple of graphs that show the evolution of consumer complaints over the last four years.

This one is the same data as above, but presented differently.

And here is the CFPB year-over-year data.

In other news, putative class actions represented 6.6% of FDCPA, 57.1% of TCPA and 2.8% of FCRA lawsuits filed last month. About 40% of all plaintiffs who filed suit last month had filed at least once before. And finally, Delray Beach, FL attorney Jennifer Gomes Simil (out of Jibrael Hindi’s firm) gets her first crack at the top spot for representing the most consumers in December (19) while Atlanta attorney Matthew Thomas Berry seals his position as the most active consumer attorney of the year with 188 consumers represented in all of 2023.

Current Month: Previous Month: Previous
Year:
Year to Date: Year to
Date Comp:
Dec 01, 2023
Dec 31, 2023
Nov 01, 2023
Nov 30, 2023
Dec 01, 2022
Dec 31, 2022
Jan 01, 2023
Dec 31, 2023
Jan 01, 2022
Dec 31, 2022
CFPB  5954 5444 9.4% 4839 23.0% 68706 67324 2.1%
FDCPA  365 366 -0.3% 299 22.1% 4165 4535 -8.2%
FCRA  428 498 -14.1% 458 -6.6% 5587 5635 -0.9%
TCPA  112 117 -4.3% 96 16.7% 1683 1539 9.4%

 

Complaint Statistics:

5954 consumers filed CFPB complaints, and about 744 consumers filed lawsuits under consumer statutes from Dec 01, 2023 to Dec 31, 2023.

  • 5954 CFPB Complaints
  • 365 FDCPA, 24 Class Action (6.6%)
  • 112 TCPA, 64 Class Action (57.1%)
  • 428 FCRA, 12 Class Action (2.8%)

Litigation Summary (scroll down for CFPB data):

  • Of those cases, there were about 744 unique plaintiffs (including multiple plaintiffs in one suit).
  • Of those plaintiffs, about 300, or (40%), had sued under consumer statutes before.
  • Combined, those plaintiffs have filed about 2624 lawsuits since 2001
  • Actions were filed in 135 different US District Court branches.
  • About 507 different collection firms and creditors were sued.

The top courts where lawsuits were filed:

  • 53 Lawsuits: Georgia Northern District Court – Atlanta
  • 41 Lawsuits: Illinois Northern District Court – Chicago
  • 30 Lawsuits: Florida Middle District Court – Tampa
  • 28 Lawsuits: Pennsylvania Eastern District Court – Philadelphia
  • 24 Lawsuits: California Central District Court – Western Division – Los Angeles
  • 21 Lawsuits: Florida Southern District Court – Miami
  • 21 Lawsuits: Florida Middle District Court – Orlando
  • 21 Lawsuits: Indiana Southern District Court – Indianapolis
  • 20 Lawsuits: Texas Northern District Court – Dallas
  • 18 Lawsuits: Arizona District Court – Phoenix

The most active consumer attorneys were:

  • Representing 19 Consumers: JENNIFER GOMES SIMIL
  • Representing 16 Consumers: OCTAVIO GOMEZ
  • Representing 15 Consumers: MATTHEW THOMAS BERRY
  • Representing 14 Consumers: CRAIG B SANDERS
  • Representing 13 Consumers: JOEL SPENCER HALVORSEN
  • Representing 12 Consumers: ELLIOT ELO
  • Representing 11 Consumers: ALEXANDER JAMES ADDUCCI TAYLOR
  • Representing 10 Consumers: JONATHAN ALEXANDER HEEPS
  • Representing 9 Consumers: JIBRAEL S HINDI
  • Representing 9 Consumers: CHRISTOPHER NEIL ARMOR

Statistics Year to Date:
9966 total lawsuits for 2023, including:

  • 4165 FDCPA
  • 5587 FCRA
  • 1683 TCPA

Number of Unique Plaintiffs for 2023: 8657 (including multiple plaintiffs in one suit)

The most active consumer attorneys of the year:

  • Representing 188 Consumers: MATTHEW THOMAS BERRY
  • Representing 181 Consumers: OCTAVIO GOMEZ
  • Representing 148 Consumers: JOEL SPENCER HALVORSEN
  • Representing 131 Consumers: CHRISTOPHER NEIL ARMOR
  • Representing 124 Consumers: JOSEPH POWELL MCCLELLAND
  • Representing 124 Consumers: SHAWN SHAWN JAFFER
  • Representing 115 Consumers: DAVID J PHILIPPS
  • Representing 110 Consumers: NATHAN CHARLES VOLHEIM
  • Representing 101 Consumers: JOHN THOMAS STEINKAMP
  • Representing 99 Consumers: YITZCHAK ZELMAN

——————————————————————————————————-
CFPB Complaint Statistics:

There were 5954 complaints filed against debt collectors from Dec 01, 2023 to Dec 31, 2023.

Total number of debt collectors complained about: 756

The types of debt behind the complaints were:

  • 1934 I do not know (32%)
  • 1452 Credit card debt (24%)
  • 697 Other debt (12%)
  • 459 Medical debt (8%)
  • 427 Rental debt (7%)
  • 416 Telecommunications debt (7%)
  • 305 Auto debt (5%)
  • 114 Payday loan debt (2%)
  • 58 Mortgage debt (1%)
  • 52 Federal student loan debt (1%)
  • 40 Private student loan debt (1%)

Here is a breakdown of complaints:

  • 2854 Attempts to collect debt not owed (48%)
  • 1616 Written notification about debt (27%)
  • 495 Took or threatened to take negative or legal action (8%)
  • 422 False statements or representation (7%)
  • 393 Communication tactics (7%)
  • 95 Electronic communications (2%)
  • 79 Threatened to contact someone or share information improperly (1%)

The top five subissues were:

  • 1378 Debt is not yours (23%)
  • 1339 Didnt receive enough information to verify debt (22%)
  • 978 Debt was result of identity theft (16%)
  • 405 Debt was paid (7%)
  • 335 Attempted to collect wrong amount (6%)

The top states complaints were filed from are:

  • 850 Complaints: CA
  • 702 Complaints: TX
  • 675 Complaints: FL
  • 449 Complaints: NY
  • 382 Complaints: GA
  • 222 Complaints: NC
  • 189 Complaints: NJ
  • 186 Complaints: IL
  • 172 Complaints: PA
  • 156 Complaints: VA

The status of the month’s complaints are as follows:

  • 3866 Closed with explanation (65%)
  • 1212 In progress (20%)
  • 775 Closed with non-monetary relief (13%)
  • 80 Untimely response (1%)
  • 21 Closed with monetary relief (0%)

This includes 5823 (98%) timely responses to complaints, and 131 (2%) untimely responses.

Quick analysis: With just December consumer litigation left to tabulate in the coming weeks, 2023 YTD looks to have shaken out like this…

TCPA is up (+8.9%), FCRA is about even (-.3%) and FDCPA is down (-10.3%).

The die appears to be cast for one of the most interesting spreads in memory. The only real question left is if FCRA lawsuits in December will tip the tally above the zero point to end in slim positive territory or not. Either way, it will be pretty close with the big three diverging in the most balanced pattern we can remember.

For the month of November 2023, only FCRA (+2.7%) was in positive territory, while TCPA (-9.3%) and FDCPA (-11.6%) were both down. CFPB complaints were down (-2.7%) for the month but up (+.3%) YTD.

In other news, putative class actions represented 9% of FDCPA, 66.7%(!) of TCPA and 1.6% of FCRA lawsuits filed last month. About 41% of all plaintiffs who filed suit last month had filed at least once before. And finally, St. Louis attorney Joel Spencer Halvorsen represented the most consumers in November (25) while Atlanta attorney Matthew Thomas Berry retains the top spot for representing the most consumers YTD (173) so far in 2023.

Current Month: Previous Month: Previous
Year:
Year to Date: Year to
Date Comp:
Nov 01, 2023
Nov 30, 2023
Oct 01, 2023
Oct 31, 2023
Nov 01, 2022
Nov 30, 2022
Jan 01, 2023
Nov 30, 2023
Jan 01, 2022
Nov 30, 2022
CFPB  5382 5529 -2.7% 4395 22.5% 62687 62485 0.3%
FDCPA  366 414 -11.6% 269 36.1% 3800 4236 -10.3%
FCRA  498 485 2.7% 418 19.1% 5159 5177 -0.3%
TCPA  117 129 -9.3% 139 -15.8% 1571 1443 8.9%

 

Complaint Statistics:

5382 consumers filed CFPB complaints, and about 818 consumers filed lawsuits under consumer statutes from Nov 01, 2023 to Nov 30, 2023.

  • 5382 CFPB Complaints
  • 366 FDCPA, 33 Class Action (9.0%)
  • 117 TCPA, 78 Class Action (66.7%)
  • 498 FCRA, 8 Class Action (1.6%)

Litigation Summary (scroll down for CFPB data):

  • Of those cases, there were about 818 unique plaintiffs (including multiple plaintiffs in one suit).
  • Of those plaintiffs, about 339, or (41%), had sued under consumer statutes before.
  • Combined, those plaintiffs have filed about 4288 lawsuits since 2001
  • Actions were filed in 146 different US District Court branches.
  • About 528 different collection firms and creditors were sued.

The top courts where lawsuits were filed:

  • 56 Lawsuits: Georgia Northern District Court – Atlanta
  • 39 Lawsuits: Florida Middle District Court – Tampa
  • 31 Lawsuits: Illinois Northern District Court – Chicago
  • 31 Lawsuits: Pennsylvania Eastern District Court – Philadelphia
  • 29 Lawsuits: California Central District Court – Western Division – Los Angeles
  • 25 Lawsuits: Indiana Southern District Court – Indianapolis
  • 18 Lawsuits: California Central District Court – Southern Division – Santa Ana
  • 18 Lawsuits: Florida Southern District Court – Fort Lauderdale
  • 17 Lawsuits: Alabama Northern District Court – Southern
  • 17 Lawsuits: New Jersey District Court – Newark

The most active consumer attorneys were:

  • Representing 25 Consumers: JOEL SPENCER HALVORSEN
  • Representing 19 Consumers: MATTHEW THOMAS BERRY
  • Representing 19 Consumers: CHRISTOPHER NEIL ARMOR
  • Representing 14 Consumers: YITZCHAK ZELMAN
  • Representing 14 Consumers: SHAWN SHAWN JAFFER
  • Representing 13 Consumers: OCTAVIO GOMEZ
  • Representing 13 Consumers: M STAN HERRING
  • Representing 13 Consumers: JOHN G WATTS
  • Representing 13 Consumers: FRANK H KERNEY
  • Representing 12 Consumers: PATRICIA S LOCKHART

Statistics Year to Date:
9196 total lawsuits for 2023, including:

  • 3800 FDCPA
  • 5159 FCRA
  • 1571 TCPA

Number of Unique Plaintiffs for 2023: 8040 (including multiple plaintiffs in one suit)

The most active consumer attorneys of the year:

  • Representing 173 Consumers: MATTHEW THOMAS BERRY
  • Representing 165 Consumers: OCTAVIO GOMEZ
  • Representing 135 Consumers: JOEL SPENCER HALVORSEN
  • Representing 122 Consumers: CHRISTOPHER NEIL ARMOR
  • Representing 120 Consumers: JOSEPH POWELL MCCLELLAND
  • Representing 116 Consumers: SHAWN SHAWN JAFFER
  • Representing 111 Consumers: DAVID J PHILIPPS
  • Representing 101 Consumers: NATHAN CHARLES VOLHEIM
  • Representing 93 Consumers: JOHN THOMAS STEINKAMP
  • Representing 91 Consumers: YITZCHAK ZELMAN

——————————————————————————————————-
CFPB Complaint Statistics:

There were 5382 complaints filed against debt collectors from Nov 01, 2023 to Nov 30, 2023.

Total number of debt collectors complained about: 722

The types of debt behind the complaints were:

  • 1634 I do not know (30%)
  • 1276 Credit card debt (24%)
  • 721 Other debt (13%)
  • 431 Telecommunications debt (8%)
  • 419 Medical debt (8%)
  • 379 Rental debt (7%)
  • 265 Auto debt (5%)
  • 98 Payday loan debt (2%)
  • 88 Mortgage debt (2%)
  • 42 Federal student loan debt (1%)
  • 29 Private student loan debt (1%)

Here is a breakdown of complaints:

  • 2604 Attempts to collect debt not owed (48%)
  • 1383 Written notification about debt (26%)
  • 448 Took or threatened to take negative or legal action (8%)
  • 384 False statements or representation (7%)
  • 352 Communication tactics (7%)
  • 123 Electronic communications (2%)
  • 88 Threatened to contact someone or share information improperly (2%)

The top five subissues were:

  • 1378 Debt is not yours (26%)
  • 1150 Didnt receive enough information to verify debt (21%)
  • 785 Debt was result of identity theft (15%)
  • 364 Debt was paid (7%)
  • 291 Attempted to collect wrong amount (5%)

The top states complaints were filed from are:

  • 778 Complaints: CA
  • 585 Complaints: FL
  • 579 Complaints: TX
  • 387 Complaints: NY
  • 370 Complaints: GA
  • 212 Complaints: PA
  • 191 Complaints: IL
  • 176 Complaints: NC
  • 175 Complaints: NJ
  • 147 Complaints: VA

The status of the month’s complaints are as follows:

  • 3630 Closed with explanation (67%)
  • 993 In progress (18%)
  • 679 Closed with non-monetary relief (13%)
  • 57 Untimely response (1%)
  • 23 Closed with monetary relief (0%)

This includes 5274 (98%) timely responses to complaints, and 108 (2%) untimely responses.

Quick analysis: The Pendulum…

September saw the consumer complaint pendulum keep on swinging. After August’s big month for lawsuits, most were back down in the month-over-month comparisons. FCRA suits were the exception – while FCRA had been the one consistent growth area in consumer litigation over the last couple of years, they’ve tended to swing with the same volatility as the other statutes in recent months. In September, FCRA was once again the one growth area on our chart with a +6.5% increase over August, while FDCPA (-4.8%) and TCPA (-1.9%) were both down.

Meanwhile, when you look at YTD comparisons, only TCPA suits (+13.1%) were up wile FDCPA (-18.1%) and FCRA (-3.7%) were down for the year.

CFPB complaints were also down again, dropping -17.6% for the month and down -4% YTD.

In other news, putative class actions represented 6.4% of FDCPA, 57.4% of TCPA and 2.9% of FCRA lawsuits filed last month. About 43% of all plaintiffs who filed suit last month had filed at least once before. And finally, Texas attorney Shawn Jaffer took the top spot for the first time by representing the most consumers in September (18) while Tampa-area attorney Octavio Gomez has represented the most consumers YTD (140) so far in 2023.

Current Month: Previous Month: Previous
Year:
Year to Date: Year to
Date Comp:
Sep 01, 2023
Sep 30, 2023
Aug 01, 2023
Aug 31, 2023
Sep 01, 2022
Sep 30, 2022
Jan 01, 2023
Sep 30, 2023
Jan 01, 2022
Sep 30, 2022
CFPB  4849 5885 -17.6% 4577 5.9% 51212 53329 -4.0%
FDCPA  360 378 -4.8% 308 16.9% 3019 3685 -18.1%
FCRA  526 494 6.5% 469 12.2% 4176 4337 -3.7%
TCPA  155 158 -1.9% 138 12.3% 1324 1171 13.1%

 

Complaint Statistics:

4849 consumers filed CFPB complaints, and about 844 consumers filed lawsuits under consumer statutes from Sep 01, 2023 to Sep 30, 2023.

  • 4849 CFPB Complaints
  • 360 FDCPA, 23 Class Action (6.4%)
  • 155 TCPA, 89 Class Action (57.4%)
  • 526 FCRA, 15 Class Action (2.9%)

Litigation Summary (scroll down for CFPB data):

  • Of those cases, there were about 844 unique plaintiffs (including multiple plaintiffs in one suit).
  • Of those plaintiffs, about 365, or (43%), had sued under consumer statutes before.
  • Combined, those plaintiffs have filed about 3000 lawsuits since 2001
  • Actions were filed in 158 different US District Court branches.
  • About 595 different collection firms and creditors were sued.

The top courts where lawsuits were filed:

  • 67 Lawsuits: Georgia Northern District Court – Atlanta
  • 43 Lawsuits: Illinois Northern District Court – Chicago
  • 37 Lawsuits: Florida Middle District Court – Tampa
  • 35 Lawsuits: California Central District Court – Western Division – Los Angeles
  • 33 Lawsuits: Texas Southern District Court – Houston
  • 30 Lawsuits: Indiana Southern District Court – Indianapolis
  • 25 Lawsuits: California Central District Court – Southern Division – Santa Ana
  • 21 Lawsuits: Florida Middle District Court – Orlando
  • 19 Lawsuits: Florida Southern District Court – Fort Lauderdale
  • 17 Lawsuits: Texas Northern District Court – Dallas

The most active consumer attorneys were:

  • Representing 18 Consumers: SHAWN SHAWN JAFFER
  • Representing 16 Consumers: OCTAVIO GOMEZ
  • Representing 14 Consumers: YITZCHAK ZELMAN
  • Representing 14 Consumers: JOEL SPENCER HALVORSEN
  • Representing 14 Consumers: JOHN THOMAS STEINKAMP
  • Representing 13 Consumers: GARRETT FORRESTER CHARITY
  • Representing 12 Consumers: JOSEPH POWELL MCCLELLAND
  • Representing 10 Consumers: MATTHEW THOMAS BERRY
  • Representing 10 Consumers: JIMMY B MEEKS
  • Representing 10 Consumers: J ROSS PEPPER

Statistics Year to Date:
7485 total lawsuits for 2023, including:

  • 3019 FDCPA
  • 4176 FCRA
  • 1324 TCPA

Number of Unique Plaintiffs for 2023: 6627 (including multiple plaintiffs in one suit)

The most active consumer attorneys of the year:

  • Representing 140 Consumers: OCTAVIO GOMEZ
  • Representing 136 Consumers: MATTHEW THOMAS BERRY
  • Representing 109 Consumers: JOSEPH POWELL MCCLELLAND
  • Representing 96 Consumers: JOEL SPENCER HALVORSEN
  • Representing 96 Consumers: DAVID J PHILIPPS
  • Representing 93 Consumers: CHRISTOPHER NEIL ARMOR
  • Representing 85 Consumers: SHAWN SHAWN JAFFER
  • Representing 78 Consumers: NATHAN CHARLES VOLHEIM
  • Representing 77 Consumers: JOHN THOMAS STEINKAMP
  • Representing 75 Consumers: TODD M FRIEDMAN

——————————————————————————————————-
CFPB Complaint Statistics:

There were 4849 complaints filed against debt collectors from Sep 01, 2023 to Sep 30, 2023.

Total number of debt collectors complained about: 716

The types of debt behind the complaints were:

  • 1258 I do not know (26%)
  • 1126 Credit card debt (23%)
  • 747 Other debt (15%)
  • 504 Medical debt (10%)
  • 434 Telecommunications debt (9%)
  • 368 Rental debt (8%)
  • 212 Auto debt (4%)
  • 108 Payday loan debt (2%)
  • 34 Mortgage debt (1%)
  • 31 Private student loan debt (1%)
  • 27 Federal student loan debt (1%)

Here is a breakdown of complaints:

  • 2674 Attempts to collect debt not owed (55%)
  • 851 Written notification about debt (18%)
  • 476 Took or threatened to take negative or legal action (10%)
  • 341 Communication tactics (7%)
  • 313 False statements or representation (6%)
  • 116 Threatened to contact someone or share information improperly (2%)
  • 78 Electronic communications (2%)

The top five subissues were:

  • 1338 Debt is not yours (28%)
  • 923 Debt was result of identity theft (19%)
  • 542 Didnt receive enough information to verify debt (11%)
  • 327 Debt was paid (7%)
  • 275 Didnt receive notice of right to dispute (6%)

The top states complaints were filed from are:

  • 562 Complaints: FL
  • 551 Complaints: TX
  • 446 Complaints: CA
  • 417 Complaints: GA
  • 228 Complaints: PA
  • 203 Complaints: NY
  • 199 Complaints: IL
  • 185 Complaints: NC
  • 136 Complaints: VA
  • 129 Complaints: MD

The status of the month’s complaints are as follows:

  • 3595 Closed with explanation (74%)
  • 678 In progress (14%)
  • 519 Closed with non-monetary relief (11%)
  • 45 Untimely response (1%)
  • 12 Closed with monetary relief (0%)

This includes 4768 (98%) timely responses to complaints, and 81 (2%) untimely responses.

Quick analysis: The Roller Coaster Continues

After a down June and a mixed July, lawsuits and complaints were up across the board again in August. FDCPA complaints (+15%) led the pack with FCRA (+6.5%) and TCPA (+5.3%) following. In spite of all the month-over-month increases, only TCPA (+13.2%) remains up YTD, with FDCPA (-21.4%) and FCRA (-5.8%) having some ground to recover if they are going to break even with (or surpass) 2022.

CFPB complaints against creditors and debt collectors were also up for the month (+4.1%) and down for the year (-5.3%).

In other news, putative class actions represented 8.8% of FDCPA, 58.2% of TCPA and 3.5% of FCRA lawsuits filed last month. About 38% of all plaintiffs who filed suit last month had filed at least once before. And finally, Tampa-area attorney Octavio Gomez represented the most consumers in August (23) while Atlanta attorney Matthew Thomas Berry has represented the most consumers YTD (126) so far in 2023.

Current Month: Previous Month: Previous
Year:
Year to Date: Year to
Date Comp:
Aug 01, 2023
Aug 31, 2023
Jul 01, 2023
Jul 31, 2023
Aug 01, 2022
Aug 31, 2022
Jan 01, 2023
Aug 31, 2023
Jan 01, 2022
Aug 31, 2022
CFPB  5692 5470 4.1% 5009 13.6% 46148 48752 -5.3%
FDCPA  376 327 15.0% 375 0.3% 2655 3377 -21.4%
FCRA  492 462 6.5% 502 -2.0% 3644 3868 -5.8%
TCPA  158 150 5.3% 169 -6.5% 1169 1033 13.2%

 

Complaint Statistics:

5692 consumers filed CFPB complaints, and about 871 consumers filed lawsuits under consumer statutes from Aug 01, 2023 to Aug 31, 2023.

  • 5692 CFPB Complaints
  • 376 FDCPA, 33 Class Action (8.8%)
  • 158 TCPA, 92 Class Action (58.2%)
  • 492 FCRA, 17 Class Action (3.5%)

Litigation Summary (scroll down for CFPB data):

  • Of those cases, there were about 871 unique plaintiffs (including multiple plaintiffs in one suit).
  • Of those plaintiffs, about 329, or (38%), had sued under consumer statutes before.
  • Combined, those plaintiffs have filed about 9306 lawsuits since 2001
  • Actions were filed in 152 different US District Court branches.
  • About 569 different collection firms and creditors were sued.

The top courts where lawsuits were filed:

  • 63 Lawsuits: Georgia Northern District Court – Atlanta
  • 44 Lawsuits: Illinois Northern District Court – Chicago
  • 39 Lawsuits: California Central District Court – Western Division – Los Angeles
  • 34 Lawsuits: Florida Middle District Court – Tampa
  • 26 Lawsuits: Texas Northern District Court – Dallas
  • 24 Lawsuits: Minnesota District Court – Dmn
  • 23 Lawsuits: California Central District Court – Southern Division – Santa Ana
  • 23 Lawsuits: Indiana Southern District Court – Indianapolis
  • 21 Lawsuits: California Southern District Court – San Diego
  • 20 Lawsuits: Pennsylvania Eastern District Court – Philadelphia

The most active consumer attorneys were:

  • Representing 23 Consumers: OCTAVIO GOMEZ
  • Representing 17 Consumers: TODD M FRIEDMAN
  • Representing 17 Consumers: JOEL SPENCER HALVORSEN
  • Representing 14 Consumers: MATTHEW THOMAS BERRY
  • Representing 14 Consumers: DAVID J PHILIPPS
  • Representing 13 Consumers: MATTHEW P FORSBERG
  • Representing 13 Consumers: JOSEPH POWELL MCCLELLAND
  • Representing 13 Consumers: JONATHAN ALEXANDER HEEPS
  • Representing 13 Consumers: JOHN THOMAS STEINKAMP
  • Representing 11 Consumers: CHRISTOPHER NEIL ARMOR

Statistics Year to Date:
6600 total lawsuits for 2023, including:

  • 2655 FDCPA
  • 3644 FCRA
  • 1169 TCPA

Number of Unique Plaintiffs for 2023: 5897 (including multiple plaintiffs in one suit)

The most active consumer attorneys of the year:

  • Representing 126 Consumers: MATTHEW THOMAS BERRY
  • Representing 122 Consumers: OCTAVIO GOMEZ
  • Representing 97 Consumers: JOSEPH POWELL MCCLELLAND
  • Representing 87 Consumers: CHRISTOPHER NEIL ARMOR
  • Representing 86 Consumers: DAVID J PHILIPPS
  • Representing 82 Consumers: JOEL SPENCER HALVORSEN
  • Representing 72 Consumers: NATHAN CHARLES VOLHEIM
  • Representing 72 Consumers: ALLEN EDGAR ROBERTSON
  • Representing 69 Consumers: AHREN A TILLER
  • Representing 68 Consumers: TODD M FRIEDMAN

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CFPB Complaint Statistics:

There were 5692 complaints filed against debt collectors from Aug 01, 2023 to Aug 31, 2023.

Total number of debt collectors complained about: 778

The types of debt behind the complaints were:

  • 1505 Other debt (26%)
  • 1434 I do not know (25%)
  • 1430 Credit card debt (25%)
  • 572 Medical debt (10%)
  • 280 Auto debt (5%)
  • 126 Payday loan debt (2%)
  • 113 Telecommunications debt (2%)
  • 90 Rental debt (2%)
  • 68 Mortgage debt (1%)
  • 46 Federal student loan debt (1%)
  • 28 Private student loan debt (0%)

Here is a breakdown of complaints:

  • 3096 Attempts to collect debt not owed (54%)
  • 952 Written notification about debt (17%)
  • 537 Took or threatened to take negative or legal action (9%)
  • 483 False statements or representation (8%)
  • 454 Communication tactics (8%)
  • 150 Threatened to contact someone or share information improperly (3%)
  • 20 Electronic communications (0%)

The top five subissues were:

  • 1490 Debt is not yours (26%)
  • 1048 Debt was result of identity theft (18%)
  • 644 Didnt receive enough information to verify debt (11%)
  • 476 Debt was paid (8%)
  • 386 Attempted to collect wrong amount (7%)

The top states complaints were filed from are:

  • 712 Complaints: TX
  • 684 Complaints: FL
  • 511 Complaints: CA
  • 399 Complaints: GA
  • 271 Complaints: NY
  • 268 Complaints: IL
  • 243 Complaints: PA
  • 207 Complaints: NC
  • 165 Complaints: OH
  • 165 Complaints: MI

The status of the month’s complaints are as follows:

  • 4132 Closed with explanation (73%)
  • 855 In progress (15%)
  • 621 Closed with non-monetary relief (11%)
  • 53 Untimely response (1%)
  • 31 Closed with monetary relief (1%)

This includes 5580 (98%) timely responses to complaints, and 112 (2%) untimely responses.