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 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.

API Access

We offer two powerful APIs to businesses that communicate with consumers:

  • The primary Litigious Consumer Scrub uses a combination of name, geography (and optionally SSN) to identify consumers who have filed lawsuits in the past.
  • The Litigious Consumer Phone Scrub pulls every phone number from our proprietary database of litigants and runs your phones against ours.

These APIs allow you to check your data against our database on the fly. Clients love using this to handle risk management without missing a beat in their daily workflow.

Workers Comp Scrub

Workers Comp-inspired FDCPA lawsuits are growing aggressively, particularly in Florida. Only WebRecon can tell you who in your database may have a Florida Worker’s Comp case filed that could trigger litigation against you.

You can’t stop 100% of all lawsuits, but if you collect medical in Florida and you don’t have a process in place to show the court that you have a way to check every file against the Workers Comp database, then you have lost the case before it even begins.

Knock these suits out of the park with the Workers Comp Scrub.

Our Monthly Client Newsletter with The Litigant Hotsheet

Anyone can get our guest newsletter, but only clients get the version with the Litigant Hotsheet –  identifying the most active consumer Plaintiffs filing suit in jurisdictions around the country each month. Grab a coffee, shut your door and open your database to make sure you are doing all you can to stay safe.

Individual Vendor Consumer Complaint Search

Just like Vendor Monitoring, but without the monitoring. Search any business’s history of consumer complaints (Litigation, CFPB, BBB, State AG) with the click of a button! Great for on-the-fly gut checks of the companies you do business with.

Vendor Monitoring

Through vicarious liability, you can be held accountable for the bad behavior of your vendors. If they abuse consumers, for all intents and purposes, so do you. This is a big freakin’ deal!

But fear not, friend. WebRecon can track consumer litigation, CFPB, BBB and State AG Office complaints against the companies you do business with.

When a new complaint of any kind is filed against any of the companies you are monitoring, we’ll automatically push a report out to you with all of the publicly available details so you can react accordingly and if necessary, protect your interests.

The Litigious Consumer Phone Scrub

Would you knowingly dial a number attached to a consumer with a history of litigation? Of course not.

But thousands of companies do just that, every single day. If you’d like to know who they are, simply review the court dockets. They are the ones getting sued the most.

Sure, you can stop dialing consumers. But your marketing and operations teams might not be too excited about that plan.

Another idea? Identify the consumers most likely to sue you, based on previous litigation histories, and just don’t call them.

Identify high-risk phones quickly & easily, before you expose yourself to unnecessary risk.

Litigation Context Search

This is really cool.

Our primary search engine is really designed to search for parties to litigation. Need to know more about a consumer plaintiff? That’s easy. Defendant? Check. Lawyer? No problem.

But if you need to find all 1099C lawsuits filed in July 2020… not so much.

Which is why we developed the Context Search. We have pulled out and indexed the full text from over 140k consumer lawsuits and made them available to you in a search engine, with more than 1000 new lawsuits added each month. Use it to search the text of filed litigation so you can easily identify those hard-to-define trends and cases worth following.

Individual Search Engine

Instantly and easily search our proprietary database for any lawsuit participant – Plaintiff, Defendant or Attorney.

In the results, we’ll show you the full consumer litigation history of any participant, including the “docket data” (who, what, why, where, when) and – in many cases – we can even provide a copy of their actual filed lawsuits.

You can also search by phone, date range, federal/state, class action, court, statute, etc. We offer a ton of flexibility to get you the exact search result you are looking for.

The Litigant Alert Ongoing Monitoring Process

Just like our one-time batch process, but without the whole “one time” thing.

When one of your consumers files new litigation against anyone in the future, you should be the first to know. Our monitoring service can make that happen.

WebRecon can monitor your entire database (or any segment of it) for future instances of consumer litigation filed by the very consumers you are working with, right now!

It is simple to add new consumers to the watchlist, remove inactive accounts, download full reports, etc.

Best of all, we only charge you for the volume of your monitoring database – not the frequency of the searches. Search daily, weekly, every Tuesday and Friday, the 15th of each month, whatever – it is totally up to you! You won’t pay a penny more.

The Litigant Alert One-Time Batch Process

This is our flagship service. Find out why hundreds of companies won’t contact any consumers before running them through WebRecon’s Litigant Alert.

This process identifies consumers with a history of litigation quickly & easily. If they have ever filed lawsuits under FDCPA, TCPA, FCRA or similar statutes, you’ll find out here. 

WebRecon’s proprietary database is simply the most comprehensive collection of dangerous consumer litigation data in existence. 

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