Debt collection -- False statements or representation -- Complaint #16283119
Consumer Claims Debt Collector Misrepresented Debt Amount
Complaint Overview
Complaint ID: 16283119
Company: Consumer Adjustment Company Incorporated
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Illinois
ZIP Code: 60425
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-09-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The company may have violated debt collection laws by misrepresenting the amount owed or making false statements to the consumer.
Consumer Sentiment: negative
Topics: Debt collection, False statements, Incorrect amount
AI Analysis
CFPB complaint 16283119 was filed against Consumer Adjustment Company Incorporated regarding Debt collection (I do not know), specifically about "False statements or representation". A consumer filed a complaint against Consumer Adjustment Company Incorporated for allegedly making false statements and attempting to collect the wrong debt amount. The complaint was received on September 30, 2025 from Illinois. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review all debt collection notices and dispute any discrepancies in the amount owed.
Legal Context & Consumer Protection Laws
This complaint touches on potential violations of the Fair Debt Collection Practices Act (FDCPA) regarding false or misleading representations and the collection of amounts not permitted by law.
Regulatory Insight
Regulators may investigate if the company's practices indicate a pattern of deceptive debt collection tactics.
Resolution Likelihood
mixed
State-Specific Consumer Protections
Illinois law may provide additional protections for consumers against unfair or deceptive debt collection practices.
Industry Comparison
This complaint is typical of issues seen across the debt collection industry where disputes over debt amounts and collection tactics are common.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16283119 about?
CFPB complaint 16283119 involves Debt collection (I do not know). The consumer reported an issue with "False statements or representation", specifically "Attempted to collect wrong amount". This complaint was filed against Consumer Adjustment Company Incorporated on September 30, 2025.
Which company is complaint 16283119 filed against?
Complaint 16283119 was filed against Consumer Adjustment Company Incorporated. You can view all complaints against this company on their profile page at /company/consumer-adjustment-company-incorporated.
What was the company's response to complaint 16283119?
Consumer Adjustment Company Incorporated responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 16283119 filed?
Complaint 16283119 was received by the CFPB on September 30, 2025. It was sent to Consumer Adjustment Company Incorporated on September 30, 2025.
What state was complaint 16283119 filed from?
Complaint 16283119 was filed from Illinois. You can view all complaints from this state at /state/IL.
Was the consumer satisfied with the resolution of complaint 16283119?
Dispute information is not available for complaint 16283119.
What product category is complaint 16283119 about?
Complaint 16283119 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 16283119 submitted?
Complaint 16283119 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 16283119?
This complaint touches on potential violations of the Fair Debt Collection Practices Act (FDCPA) regarding false or misleading representations and the collection of amounts not permitted by law. This relates to a Debt collection complaint against Consumer Adjustment Company Incorporated involving "False statements or representation".
How likely is complaint 16283119 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 16283119?
This complaint is rated as medium risk. The company may have violated debt collection laws by misrepresenting the amount owed or making false statements to the consumer.
What regulatory actions apply to complaint 16283119?
Regulators may investigate if the company's practices indicate a pattern of deceptive debt collection tactics. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 16283119?
Consumers should carefully review all debt collection notices and dispute any discrepancies in the amount owed.
Are there state-specific protections for complaint 16283119?
Illinois law may provide additional protections for consumers against unfair or deceptive debt collection practices. This complaint was filed from Illinois.
How does complaint 16283119 compare to industry norms?
This complaint is typical of issues seen across the debt collection industry where disputes over debt amounts and collection tactics are common.
What specific false statements were made by Consumer Adjustment Company Incorporated?
The complaint does not specify the exact false statements made, only that they occurred. Further details would be needed to assess the nature of the misrepresentation.
What is the basis for the claim that the wrong amount was attempted to be collected?
The consumer believes the amount Consumer Adjustment Company Incorporated attempted to collect was incorrect. The specific reason for this belief, such as incorrect fees or interest, is not detailed in the provided data.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.