Debt collection -- Written notification about debt -- Complaint #19874051
Debt Collector Failed to Clearly Disclose Collection Attempt
Complaint Overview
Complaint ID: 19874051
Company: Credit Control, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Notification didn't disclose it was an attempt to collect a debt
State: New York
ZIP Code: 11373
Date Received: 2026-02-28T12:00:00-05:00
Date Sent to Company: 2026-03-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The debt collector's failure to clearly disclose the purpose of the communication could violate the FDCPA's requirement for clear identification of the debt collector and the debt.
Consumer Sentiment: negative
Topics: Debt Collection, FDCPA, Disclosure Requirements
AI Analysis
CFPB complaint 19874051 was filed against Credit Control, LLC regarding Debt collection (Credit card debt), specifically about "Written notification about debt". A consumer filed a complaint stating that a written notification about their credit card debt from Credit Control, LLC did not clearly disclose that it was an attempt to collect a debt. The complaint was received on February 28, 2026 from New York. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review all communications from debt collectors and ensure they understand the purpose of the contact and their rights.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide specific disclosures in their communications, including identifying themselves and the debt.
Regulatory Insight
This case highlights the importance of clear and unambiguous communication from debt collectors to avoid misleading consumers about the nature of the contact.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint was filed by a consumer in New York.
Industry Comparison
This is a common issue in debt collection, where consumers may be confused by vague or misleading notices.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19874051 about?
CFPB complaint 19874051 involves Debt collection (Credit card debt). The consumer reported an issue with "Written notification about debt", specifically "Notification didn't disclose it was an attempt to collect a debt". This complaint was filed against Credit Control, LLC on February 28, 2026.
Which company is complaint 19874051 filed against?
Complaint 19874051 was filed against Credit Control, LLC. You can view all complaints against this company on their profile page at /company/credit-control-llc.
What was the company's response to complaint 19874051?
Credit Control, LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19874051 filed?
Complaint 19874051 was received by the CFPB on February 28, 2026. It was sent to Credit Control, LLC on March 1, 2026.
What state was complaint 19874051 filed from?
Complaint 19874051 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 19874051?
Dispute information is not available for complaint 19874051.
What product category is complaint 19874051 about?
Complaint 19874051 is categorized under "Debt collection", specifically "Credit card debt". This is one of the product categories tracked by the CFPB.
How was complaint 19874051 submitted?
Complaint 19874051 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 19874051?
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide specific disclosures in their communications, including identifying themselves and the debt. This relates to a Debt collection complaint against Credit Control, LLC involving "Written notification about debt".
How likely is complaint 19874051 to be resolved?
Resolution likelihood: likely. 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 19874051?
This complaint is rated as medium risk. The debt collector's failure to clearly disclose the purpose of the communication could violate the FDCPA's requirement for clear identification of the debt collector and the debt.
What regulatory actions apply to complaint 19874051?
This case highlights the importance of clear and unambiguous communication from debt collectors to avoid misleading consumers about the nature of the contact. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 19874051?
Consumers should carefully review all communications from debt collectors and ensure they understand the purpose of the contact and their rights.
Are there state-specific protections for complaint 19874051?
The complaint was filed by a consumer in New York. This complaint was filed from New York.
How does complaint 19874051 compare to industry norms?
This is a common issue in debt collection, where consumers may be confused by vague or misleading notices.
What specific language is required to clearly disclose a debt collection attempt under the FDCPA?
The FDCPA requires that the initial communication from a debt collector clearly state that the communication is from a debt collector and that any information obtained will be used for that purpose.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.