Quick analysis: Quick analysis: Mixed Results

Well, it was bound to happen. Statistically speaking, anyway. For the first time I can remember in nearly 15 years of tracking these numbers, we had a 0.0% month-over-month change in one of the statutes (TCPA). Relevant? No. Meaningful? Also no. But interesting to me nonetheless, and since I write these things, it gets top billing. 🙂

After an all- down month in June, July’s numbers were decidedly more mixed. FDCPA (+2.8%) and FCRA (+2.4%) were up slightly while TCPA (0.0%) had no change whatsover. Year-to-date, the script was flipped with FDCPA (-24.1%) and FCRA (-6.4%) both down while TCPA (+16.8) is up.

CFPB complaints against collectors and creditors were down again both for the month (-8.4%) and for the year (-8.2%).

In other news, putative class actions represented 7.3% of FDCPA, 66.2% of TCPA (!) and 2.2% of FCRA lawsuits filed last month. About 41% 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 July (23) while Atlanta attorney Matthew Thomas Berry has represented the most consumers YTD (112) so far in 2023.

Current Month: Previous Month: Previous
Year:
Year to Date: Year to
Date Comp:
Jul 01, 2023
Jul 31, 2023
Jun 01, 2023
Jun 30, 2023
Jul 01, 2022
Jul 31, 2022
Jan 01, 2023
Jul 31, 2023
Jan 01, 2022
Jul 31, 2022
CFPB  5174 5650 -8.4% 4458 16.1% 40139 43743 -8.2%
FDCPA  327 318 2.8% 329 -0.6% 2279 3002 -24.1%
FCRA  462 451 2.4% 450 2.7% 3152 3366 -6.4%
TCPA  148 148 0.0% 129 14.7% 1009 864 16.8%

 

Complaint Statistics:

5174 consumers filed CFPB complaints, and about 791 consumers filed lawsuits under consumer statutes from Jul 01, 2023 to Jul 31, 2023.

  • 5174 CFPB Complaints
  • 327 FDCPA, 24 Class Action (7.3%)
  • 148 TCPA, 98 Class Action (66.2%)
  • 462 FCRA, 10 Class Action (2.2%)

Litigation Summary (scroll down for CFPB data):

  • Of those cases, there were about 791 unique plaintiffs (including multiple plaintiffs in one suit).
  • Of those plaintiffs, about 322, or (41%), had sued under consumer statutes before.
  • Combined, those plaintiffs have filed about 2907 lawsuits since 2001
  • Actions were filed in 146 different US District Court branches.
  • About 621 different collection firms and creditors were sued.

The top courts where lawsuits were filed:

  • 55 Lawsuits: Georgia Northern District Court – Atlanta
  • 41 Lawsuits: Illinois Northern District Court – Chicago
  • 28 Lawsuits: Pennsylvania Eastern District Court – Philadelphia
  • 26 Lawsuits: Texas Northern District Court – Dallas
  • 21 Lawsuits: Florida Middle District Court – Tampa
  • 19 Lawsuits: California Central District Court – Western Division – Los Angeles
  • 19 Lawsuits: Florida Middle District Court – Orlando
  • 19 Lawsuits: Texas Southern District Court – Houston
  • 19 Lawsuits: Iowa Southern District Court – Central
  • 18 Lawsuits: California Southern District Court – San Diego

The most active consumer attorneys were:

  • Representing 23 Consumers: OCTAVIO GOMEZ
  • Representing 16 Consumers: JOSEPH POWELL MCCLELLAND
  • Representing 13 Consumers: JOEL SPENCER HALVORSEN
  • Representing 13 Consumers: NATHAN CHARLES VOLHEIM
  • Representing 13 Consumers: MATTHEW THOMAS BERRY
  • Representing 9 Consumers: TODD M FRIEDMAN
  • Representing 9 Consumers: JOHN THOMAS STEINKAMP
  • Representing 9 Consumers: DAVID J PHILIPPS
  • Representing 9 Consumers: NKEM AMADI HOUSE
  • Representing 9 Consumers: YITZCHAK ZELMAN

Statistics Year to Date:
5688 total lawsuits for 2023, including:

  • 2279 FDCPA
  • 3152 FCRA
  • 1009 TCPA

Number of Unique Plaintiffs for 2023: 5132 (including multiple plaintiffs in one suit)

The most active consumer attorneys of the year:

  • Representing 112 Consumers: MATTHEW THOMAS BERRY
  • Representing 99 Consumers: OCTAVIO GOMEZ
  • Representing 84 Consumers: JOSEPH POWELL MCCLELLAND
  • Representing 76 Consumers: CHRISTOPHER NEIL ARMOR
  • Representing 72 Consumers: DAVID J PHILIPPS
  • Representing 67 Consumers: NATHAN CHARLES VOLHEIM
  • Representing 65 Consumers: JOEL SPENCER HALVORSEN
  • Representing 64 Consumers: ALLEN EDGAR ROBERTSON
  • Representing 59 Consumers: AHREN A TILLER
  • Representing 59 Consumers: KYLE W SCHUMACHER

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

There were 5174 complaints filed against debt collectors from Jul 01, 2023 to Jul 31, 2023.

Total number of debt collectors complained about: 750

The types of debt behind the complaints were:

  • 1495 Other debt (29%)
  • 1408 I do not know (27%)
  • 1297 Credit card debt (25%)
  • 501 Medical debt (10%)
  • 247 Auto debt (5%)
  • 95 Payday loan debt (2%)
  • 60 Mortgage debt (1%)
  • 46 Private student loan debt (1%)
  • 25 Federal student loan debt (0%)

Here is a breakdown of complaints:

  • 2904 Attempts to collect debt not owed (56%)
  • 804 Written notification about debt (16%)
  • 522 Took or threatened to take negative or legal action (10%)
  • 441 False statements or representation (9%)
  • 395 Communication tactics (8%)
  • 108 Threatened to contact someone or share information improperly (2%)

The top five subissues were:

  • 1440 Debt is not yours (28%)
  • 986 Debt was result of identity theft (19%)
  • 511 Didnt receive enough information to verify debt (10%)
  • 384 Debt was paid (7%)
  • 328 Attempted to collect wrong amount (6%)

The top states complaints were filed from are:

  • 655 Complaints: TX
  • 619 Complaints: FL
  • 474 Complaints: CA
  • 399 Complaints: GA
  • 289 Complaints: NY
  • 219 Complaints: IL
  • 203 Complaints: NC
  • 194 Complaints: PA
  • 149 Complaints: OH
  • 141 Complaints: MI

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

  • 3818 Closed with explanation (74%)
  • 805 In progress (16%)
  • 486 Closed with non-monetary relief (9%)
  • 42 Untimely response (1%)
  • 23 Closed with monetary relief (0%)

This includes 5087 (98%) timely responses to complaints, and 87 (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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