Quick analysis: Everything Down in June, Yet Up YTD
Not sure we’ve seen this one before! in June, every consumer complaint statute we track was down (TCPA -7.4%, FDCPA -32.1%, FCRA -9.2%), yet every one of them was still up year to date (TCPA +8.6%, FDCPA +15.4%, FCRA +21.1%).
In other news, putative class actions represented 5.6% of FDCPA, 65.6%(!) of TCPA and 3.8% of FCRA lawsuits filed last month. TCPA class actions are still extraordinarily high, historically speaking. About 41% of all plaintiffs who filed suit last month had filed at least once before. And finally, Tampa attorney Octavio Gomez represented the most consumers in June (25) and for representing the most consumers YTD (154).
| Current Month: | Previous Month: | Previous Year: |
Year to Date: | Year to Date Comp: |
|||||
|---|---|---|---|---|---|---|---|---|---|
| Jun 01, 2024 Jun 30, 2024 |
May 01, 2024 May 31, 2024 |
Jun 01, 2023 Jun 30, 2023 |
Jan 01, 2024 Jun 30, 2024 |
Jan 01, 2023 Jun 30, 2023 |
|||||
| CFPB | 10836 | 12561 | -13.7% | 5668 | 91.2% | 65555 | 35004 | 87.3% | |
| FDCPA | 302 | 445 | -32.1% | 316 | -4.4% | 2237 | 1939 | 15.4% | |
| FCRA | 496 | 546 | -9.2% | 449 | 10.5% | 3240 | 2675 | 21.1% | |
| TCPA | 151 | 163 | -7.4% | 144 | 4.9% | 925 | 852 | 8.6% | |
Complaint Statistics:
10836 consumers filed CFPB complaints, and about 782 consumers filed lawsuits under consumer statutes from Jun 01, 2024 to Jun 30, 2024.
- 10836 CFPB Complaints
- 302 FDCPA, 17 Class Action (5.6%)
- 151 TCPA, 99 Class Action (65.6%)
- 496 FCRA, 19 Class Action (3.8%)
Litigation Summary (scroll down for CFPB data):
- Of those cases, there were about 782 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 4414 lawsuits since 2001
- Actions were filed in 142 different US District Court branches.
- About 576 different collection firms and creditors were sued.
The top courts where lawsuits were filed:
- 63 Lawsuits: Georgia Northern District Court – Atlanta
- 47 Lawsuits: Illinois Northern District Court – Chicago
- 30 Lawsuits: California Central District Court – Western Division – Los Angeles
- 29 Lawsuits: Florida Middle District Court – Tampa
- 26 Lawsuits: New Jersey District Court – Camden
- 23 Lawsuits: Pennsylvania Eastern District Court – Philadelphia
- 22 Lawsuits: Florida Middle District Court – Orlando
- 22 Lawsuits: Florida Southern District Court – Fort Lauderdale
- 21 Lawsuits: Texas Northern District Court – Dallas
- 19 Lawsuits: Texas Southern District Court – Houston
The most active consumer attorneys were:
- Representing 25 Consumers: OCTAVIO GOMEZ
- Representing 13 Consumers: M STAN HERRING
- Representing 13 Consumers: ZANE CHARLES HEDAYA
- Representing 13 Consumers: MATTHEW THOMAS BERRY
- Representing 13 Consumers: JOHN G WATTS
- Representing 12 Consumers: CRAIG B SANDERS
- Representing 12 Consumers: FRANK H KERNEY
- Representing 12 Consumers: JONATHAN ALEXANDER HEEPS
- Representing 11 Consumers: GERALD DONALD LANE
- Representing 11 Consumers: DAVID J PHILIPPS
Statistics Year to Date:
5349 total lawsuits for 2024, including:
- 2237 FDCPA
- 3240 FCRA
- 925 TCPA
Number of Unique Plaintiffs for 2024: 5154 (including multiple plaintiffs in one suit)
The most active consumer attorneys of the year:
- Representing 154 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 76 Consumers: MATTHEW THOMAS BERRY
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CFPB Complaint Statistics:
There were 10836 complaints filed against debt collectors from Jun 01, 2024 to Jun 30, 2024.
Total number of debt collectors complained about: 775
The types of debt behind the complaints were:
- 4651 I do not know (43%)
- 1976 Other debt (18%)
- 1976 Credit card debt (18%)
- 683 Telecommunications debt (6%)
- 520 Rental debt (5%)
- 507 Medical debt (5%)
- 287 Auto debt (3%)
- 111 Payday loan debt (1%)
- 47 Mortgage debt (0%)
- 44 Private student loan debt (0%)
- 34 Federal student loan debt (0%)
Here is a breakdown of complaints:
- 4917 Attempts to collect debt not owed (45%)
- 4103 Written notification about debt (38%)
- 636 Took or threatened to take negative or legal action (6%)
- 496 False statements or representation (5%)
- 447 Communication tactics (4%)
- 121 Electronic communications (1%)
- 116 Threatened to contact someone or share information improperly (1%)
The top five subissues were:
- 2939 Debt is not yours (27%)
- 2268 Notification didnt disclose it was an attempt to collect a debt (21%)
- 1455 Debt was result of identity theft (13%)
- 932 Didnt receive notice of right to dispute (9%)
- 903 Didnt receive enough information to verify debt (8%)
The top states complaints were filed from are:
- 1936 Complaints: TX
- 1333 Complaints: FL
- 1029 Complaints: CA
- 796 Complaints: GA
- 515 Complaints: PA
- 511 Complaints: NY
- 370 Complaints: VA
- 369 Complaints: IL
- 355 Complaints: NC
- 277 Complaints: AL
The status of the month’s complaints are as follows:
- 5701 Closed with explanation (53%)
- 2704 In progress (25%)
- 2391 Closed with non-monetary relief (22%)
- 35 Closed with monetary relief (0%)
- 5 Untimely response (0%)
This includes 10766 (99%) timely responses to complaints, and 70 (1%) untimely responses.