CFPB Consumer Complaints
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"The Company" Wins Virtually All CFPB Complaints!
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TOP-25 REASONS WHY THE CFPB COMPLAINT PROCESS DOES NOT WORK:

       I.            “THE COMPANY” CONTROLS THE CFPB COMPLAINT ARBITRATION PROCESS, AND CAN CLOSE "ANY "CONSUMER COMPLAINTS, AT ANY TIME, WITHOUT THE CONCURRENCE OF EITHER CFPB OR THE CONSUMERII.  CONSUMERS FILING CFPB COMPLAINTS ARE ONLY AWARDED MONETARY RELIEF 6.7% OF THE TIME, AND “THE COMPANY” WINS 81% OF ALL COMPLAINTS; AND CAN CLOSES CONSUMER COMPLAINTS WITH GENERIC, AND/OR NON-SPECIFIC EXPLANATIONS.

    II.            CONSUMERS FILING CFPB COMPLAINTS ARE ONLY AWARDED MONETARY RELIEF 6.7% OF THE TIME, AND “THE COMPANY” WINS 81% OF ALL COMPLAINTS; AND CAN CLOSES CONSUMER COMPLAINTS WITH GENERIC, AND/OR NON-SPECIFIC EXPLANATIONS.

 III.            THE CFPB COMPLAINT DATABASE SHOWS, THAT CONSUMERS FILING CFPB MORTGAGE COMPLAINTS ARE ONLY AWARDED MONETARY RELIEF BY "THE COMPANY" 2.6% OF THE TIME; AND “THE COMPANY” CLOSES 91% OF ALL MORTGAGE COMPLAINTS WITH GENERIC, MEANINGLESS, AND NON-SPECIFIC EXPLANATIONS.

IV.     THERE IS NO SEPARATE TRACKING FOR CONSUMER COMPLAINTS FILED WITH OTHER CONSUMER COMPLAINT/CONSUMER PROTECTION AGENCIES, AND THEN REFERRED TO CFPB:

     a)            OTHER GOVERNMENT AGENCIES, AND THEN REFERRED TO CFPB.

    b)            THERE IS NO FORMAL DISPUTE, ESCALATION, OR REFERRAL PROCESSES FOR CONSUMER COMPLAINTS FILED WITH CFPB, (OR CONSUMER COMPLAINTS FILED WITH OTHER GOVERNMENT AGENCIES, AND THEN REFERRED TO CFPB).

  1.   “THE COMPANY” CAN ARBITRARILY, AND CAPRICIOUSLY CLOSE CONSUMER COMPLAINTS WITHOUT THE CONSENT OF EITHER THE CONSUMER, OR THE CFPB.

  2. COMPLAINTS REFERRED BY OTHER AGENCIES ARE NOT FORMALLY-REVIEWED BY CFPB, BEFORE BEING FORWARDED TO “THE COMPANY”, AS IS, WITHOUT COMMENTS OR COMMENTARY. 

  3. “THE COMPANY” IS NOT REQUIRED TO PUBLICLY-SHARE ITS CONSUMER COMPLAINT RESPONSES, AND CAN REQUEST THAT CFPB NOT INCLUDE SELECTED COMPLAINTS IN THE CFPB COMPLAINT DATABASE; THIS COULD POTENTIALLY-DEPRIVES OTHER CONSUMERS, AND OTHER FEDERAL AND/OR STATE REGULATORY AGENCIES OF THIS VITALLY-IMPORTANT INFORMATION.

  4.  “THE COMPANY” IS NOT REQUIRED TO RESPOND TO DOCUMENTATION AND/OR OTHER EVIDENCE APPEND TO CFPB COMPLAINTS.

  5. “THE COMPANY” RESPONSES TO CONSUMER COMPLAINTS REFERRED TO CFPB BY OTHER COMPLAINT AGENCIES, ARE NOT SHARED WITH THE REFERRING AGENCIES, OR ANY OTHER FEDERAL OR STATE COMPLAINT AGENCY.

  6. “ENFORCING LAWS THAT OUTLAW DISCRIMINATION IN CONSUMER FINANCE” IS ONE OF THE PRIMARY ACCOUNTABILITIES OF THE CFPB AGENCY; BUT THERE ARE NO COMPLAINTS ALLEGING RACIAL, ETHNIC, RELIGIOUS OR OTHER FORMS OF DISCRIMINATION ARE NOT ENUMERATED, OR INVESTIGATED BY CFPB.

  7. CONSUMER COMPLAINTS FLAGGED AS DUPLICATES DISCARDED BY THE CFPB COMPLAINT DEPARTMENT WITHOUT FURTHER INVESTIGATION.

  8. THE ONLY DEMOGRAPHIC CATEGORIES CONTAINED IN THE CFPB DATABASE ARE: A.) OLDER AMERICANS, B.) SERVICEMEMBERS, AND C.) OLDER SERVICEMEMBERS; HOWEVER, THERE IS NO SPECIAL ‘PROCESSING’ FOR THESE THREE DEMOGRAPHIC CATEGORIES; AND “THE COMPANY” CLOSED-RESPONSES FOR THESE THREE DEMOGRAPHIC CATEGORIES ARE ONLY MARGINALLY-DIFFERENT. 

  9.  OTHER CONSUMER COMPLAINT AGENCIES WITHIN THE FEDERAL GOVERNMENT APPEAR OBLIVIOUS OF THE MAJOR FLAWS IN THE CFPB COMPLAINT PROCESS, AND CONTINUE TO “BLINDLY THROW CONSUMER COMPLAINTS OVER THE WALL TO CFPB”. 

  10. CFPB DOES NOT PUBLISH ANNUAL REPORTS OF RESPONSES BY: COMPANY, PRODUCTS, ISSUES, OR ANY OTHER CATEGORY. THESE TYPE REPORTS WOULD HELP CONSUMERS, AND REGULATORY AGENCIES IDENTIFY COMPANIES WITH UNEXPLAINED YEAR-OVER-YEAR INCREASES IN CFPB COMPLAINTS. 

  11. CFPB DOES NOT PUBLISH ANNUAL REPORTS OF RESPONSES BY: COMPANY, PRODUCTS, ISSUES, OR ANY OTHER CATEGORY. THESE REPORTS HELP CONSUMERS, AND REGULATORY AGENCIES IDENTIFY COMPANIES WITH UNEXPLAINED COMPLAINT INCREASES, SUCH AS THE THOSE THAT OCCURRED IN 14 OF THE TOP 20 COMPANIES.

  12. CFPB DOES NOT PUBLISH REPORTS THAT IDENTIFY COMPANIES, WHO IGNORE, AND/OR REFUSE TO RESPOND TO CFPB CONSUMER COMPLAINTS.

  13. THE CFPB DCOMPLAINT PROCESS INCLUDES AN INTERNAL ENFORCEMENT DEPARTMENT, BUT THE CFPB DATABASE DOES NOT IDENTIFY THE CONSUMER COMPLAINTS REFERRED TO THIS AGENCY. IN FACT, AS SHOWN BELOW, ONLY TWO (2) COMPLAINTS WERE REFERRED TO THIS INTERNAL AGENCY BY CFPB.

  14.  CFPB DOES NOT ANALYZE AND/OR PUBLISH MONTHLY, QUARTERLY, OR ANNUAL REPORTS CONTAINING CONSUMER COMPLAINT TRENDS, PATTERNS, AND/OR IRREGULARITIES

  15. CFPB DOES NOT PUBLISH SUMMARY REPORTS SHOWING THE FINAL RESOLUTION OF CONSUMER COMPLAINTS ALLEGING CRIMINAL ACTIVITIES, SUCH AS IDENTITY THEFT, FRAUD, AND EMBEZZLEMENT.

  16. CFPB DOES NOT PUBLISH ANNUAL REPORTS SHOWING THE FINAL RESOLUTION OF CONSUMER COMPLAINTS SUBMITTED BY RACIAL, ETHNIC, AND GENDER CATEGORIES.

  17. CFBP DOES NOT PUBLISH ANNUAL TREND ANALYSIS REPORTS DELINEATING CFPB COMPLAINTS ORIGINATING IN PREDOMINATELY-MINORIY COMMUNITIES. THESE COMPLAINTS ARE FOR PRODUCTS SUCH AS DEBT COLLECTION, MONEY TRANSFER, PAYDAY LOAN, AND PREPAID CARD.

  18. THE “COMPANY PORTAL” USED TO INTERNECT CFPB WITH THE COMPANY PROVIDES THE COMPANY WITH REALTIME, INTERACTIVE ACCESS TO CFPB COMPLAINT DATA, BUT THE CONSUMER IS NEVER INFORMED OF ITS EXISTANCE, AND TOLD WHAT PORTIONS OF HIS, OR HER, COMPLAINT DATA CAN BE ACCESSED BY “COMPANY”.

  19. THE CONSUMER COMPLAINT DATABASE CONTAINS 10,022 CONSUMER NARRATIVES, ALL OF WHICH WERE DISPUTED BY CONSUMERS. ALL NARRATIVES WERE SUBMITTED VIA THE WEB, AND ALL BUT 22 OF THESE NARRATIVES WERE IN RESPONSES TO COMPLAINTS CLOSED BY “THE COMPANY” WITH A “CLOSE WITH EXPLANATION RESPONSE.

  20. THE CFPB WEBSITE TOUTED THE SPECTACULAR SUCCESSES OF THE CFPB COMPLAINT PROCESS, BUT PROVIDED NO MECHINISM FOR MEASURING THE CONSUMER’S SATISFACTION (OR LACK THEREOF) OF THE COMPLAINT PROCESS.

  21. THE CFPB WEBSITE PRESENTS THE ILLUSION THAT THE CFPB COMPLAINT PROCESS IS PROTECTS CONSUMERS FROM UNSCRUPULOUS, UNETHICAL FINANCIAL SERVICES COMPANIES; HOWEVER, EVEN THOUGH, AS OF ARPIL 2017, AGAINST MORE THAN FORTY-TWO HUNDRED COMPLANIES, THE CFPB WEBSITE DID NOT HAD A SINGLE NEGATIVE REPORT ON ANY COMPANY.