Arkansas AG and CFPB Consumer Complaint Pack

ARKANSAS AG AND CFPB COMPLAINT PACK

TABLE OF CONTENTS

1. Cover Letter / Filing Index
2. Consumer Information
3. Subject of Complaint
4. Statement of Facts
5. Statutory Violations Alleged
6. Damages and Relief Sought
7. Authorization to Share with Subject Company
8. Exhibit Index
9. Verification
10. Filing Routes — Arkansas AG and CFPB
11. Arkansas Practice Notes
12. Sources and References

1. COVER LETTER / FILING INDEX

Date: [__/__/____]

To: Consumer Protection Division
Office of the Arkansas Attorney General
323 Center Street, Suite 200
Little Rock, AR 72201
Telephone: (501) 682-2007 | Toll-free in AR: 1-800-482-8982
Email: [email protected]

To: Consumer Financial Protection Bureau
P.O. Box 27170
Washington, DC 20038
Online: https://www.consumerfinance.gov/complaint/

Re: Consumer Complaint Against [SUBJECT COMPANY NAME]

Dear Consumer Protection Officials:

I respectfully submit this complaint and supporting exhibits regarding the conduct of [SUBJECT COMPANY]. I request investigation and any appropriate enforcement, restitution, or referral. I authorize the agency to share a copy of this complaint with the subject company in accordance with its standard practices.

Sincerely,

[________________________________]

[CONSUMER NAME]

2. CONSUMER INFORMATION

3. SUBJECT OF COMPLAINT

4. STATEMENT OF FACTS

4.1. On [__/__/____], [describe initial contact / transaction].

4.2. [Subject company] represented to me that [describe representations made — quote where possible]. (See Exhibit A.)

4.3. In reliance on those representations, I [describe action taken — paid, signed, gave information], paying $[AMOUNT] by [METHOD]. (See Exhibit B.)

4.4. The actual product / service / outcome was [describe what consumer received vs. what was promised].

4.5. I attempted to resolve the matter directly with the company by [phone/letter/email on dates]. The company's response was [describe]. (See Exhibits C-D.)

4.6. As a result of the company's conduct, I have suffered [describe financial loss, time loss, emotional impact, credit damage, etc.], totaling approximately $[AMOUNT].

4.7. [Add additional paragraphs as facts require — e.g., third-party witnesses, other affected consumers, prior complaints, regulatory actions.]

5. STATUTORY VIOLATIONS ALLEGED

I believe [Subject Company]'s conduct violates one or more of the following laws. I respectfully ask the agencies to evaluate each:

Arkansas Law:

☐ Arkansas Deceptive Trade Practices Act, Ark. Code Ann. § 4-88-107 — deceptive, false, or unconscionable acts in trade or commerce.

☐ Ark. Code Ann. § 4-88-108 — concealment, suppression, or omission of material fact.

☐ Arkansas Fair Debt Collection Practices Act, Ark. Code Ann. §§ 17-24-501 to 17-24-512 — abusive, deceptive, or unfair debt-collection practices.

☐ Arkansas Personal Information Protection Act, Ark. Code Ann. §§ 4-110-101 to 4-110-108 — failure to maintain reasonable security or to notify of data breach.

☐ Arkansas Home Solicitation Sales Act, Ark. Code Ann. §§ 4-89-101 et seq. — denial of three-day right to cancel.

☐ Arkansas Used Motor Vehicle Buyers Protection Act, Ark. Code Ann. §§ 4-90-401 et seq. (if vehicle).

☐ Other Arkansas statute: [________________________________]

Federal Law:

☐ Consumer Financial Protection Act — UDAAP, 12 U.S.C. § 5531 — unfair, deceptive, or abusive acts or practices.

☐ Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692 et seq.

☐ Fair Credit Reporting Act, 15 U.S.C. §§ 1681 et seq.

☐ Truth in Lending Act / Regulation Z, 15 U.S.C. § 1601; 12 C.F.R. Part 1026.

☐ Real Estate Settlement Procedures Act, 12 U.S.C. § 2601; 12 C.F.R. Part 1024.

☐ Electronic Fund Transfer Act / Regulation E, 15 U.S.C. § 1693; 12 C.F.R. Part 1005.

☐ Equal Credit Opportunity Act, 15 U.S.C. § 1691.

☐ Telemarketing Sales Rule, 16 C.F.R. Part 310.

☐ FTC Act § 5, 15 U.S.C. § 45 — unfair or deceptive acts or practices.

☐ Other federal statute / rule: [________________________________]

6. DAMAGES AND RELIEF SOUGHT

6.1. Out-of-pocket loss: $[____________]

6.2. Other quantifiable damages (lost wages, transportation, medical, etc.): $[____________]

6.3. Total claimed: $[____________]

6.4. Relief sought from the company (check all that apply):

☐ Full refund of $[____________]

☐ Cancellation of contract / account

☐ Removal of negative credit-bureau reporting

☐ Cessation of collection / communication

☐ Repair / replacement of product

☐ Restoration of service

☐ Written apology and corrective communication

☐ Other: [________________________________]

6.5. Relief sought from the agency:

☐ Investigation of the company's pattern of conduct

☐ Mediation between consumer and company

☐ Enforcement action under Ark. Code Ann. § 4-88-113 / 12 U.S.C. § 5564

☐ Referral to other regulators (state licensing board, banking regulator, U.S. Attorney)

☐ Inclusion in CFPB Consumer Complaint Database

☐ Other: [________________________________]

7. AUTHORIZATION TO SHARE WITH SUBJECT COMPANY

I, [CONSUMER NAME], authorize the Arkansas Attorney General's Consumer Protection Division and the Consumer Financial Protection Bureau to provide a copy of this complaint and the attached documents to [Subject Company] for the purpose of facilitating resolution. I understand that:

• The Arkansas AG is not my attorney and cannot represent me in private litigation.
• The CFPB will forward my complaint to the company for response within 15 days, with final response typically within 60 days.
• A copy of CFPB complaints (with personal information removed) may be published in the public CFPB Consumer Complaint Database.
• Filing this complaint does not start, toll, or extend any statute of limitations on my civil claims.

[________________________________]

[CONSUMER NAME]

Date: [__/__/____]

8. EXHIBIT INDEX

9. VERIFICATION

I declare under penalty of perjury under the laws of the State of Arkansas and of the United States of America that the foregoing complaint and the attached exhibits are true and correct to the best of my knowledge and belief.

Executed on [__/__/____] at [CITY], [COUNTY] County, Arkansas.

[________________________________]

[CONSUMER NAME]

10. FILING ROUTES — ARKANSAS AG AND CFPB

10.1 Arkansas Attorney General — Consumer Protection Division

10.2 Consumer Financial Protection Bureau

10.3 Other Useful Routes

11. ARKANSAS PRACTICE NOTES

• AG cannot litigate for consumer. Ark. Code Ann. § 4-88-104 vests the AG with investigative and enforcement authority on behalf of the State, but the AG is not your attorney and cannot recover personal damages on your behalf. Pursue civil claims separately under Ark. Code Ann. § 4-88-113(f), the AR FDCPA, or other private rights of action.
• Civil SOL preserved. Filing a regulatory complaint does not toll the statute of limitations on private claims. ADTPA private actions: 5 years (Ark. Code Ann. § 4-88-115). FDCPA / AR FDCPA: 1 year. FCRA: 2 years from discovery / 5 years from violation. Calendar SOLs separately.
• CFPB complaint database. CFPB-filed complaints, with personal information removed, may appear publicly. Useful for pattern-and-practice evidence; review the database for prior complaints against the same company before filing a private suit.
• CFPB response timeline. Companies must acknowledge in 15 days and provide a final response generally within 60 days. Track status via the CFPB portal.
• Data breach. If the matter involves a breach, the responsible business owes notice under Ark. Code Ann. § 4-110-105. Breaches affecting 1,000+ Arkansans must be reported to the AG within 45 days of determining likelihood of harm. Use the AG's Data Breach Reporting Form for breach reports.
• Senior / military priority. Arkansas AG and CFPB both prioritize complaints from servicemembers, veterans, and consumers age 60+. Note status in Section 2 to access fast-track teams.
• Industry-specific overlays. Insurance — Arkansas Insurance Department; banking — Arkansas State Bank Department or applicable federal regulator; securities — Arkansas Securities Department; collection agencies — AR State Board of Collection Agencies (must be licensed under Ark. Code Ann. § 17-24-301).
• Mediation expectation. Many AG complaints resolve through informal mediation; the AG forwards a copy to the company. Keep contemporaneous notes of any company communications received after filing.
• Document retention. Retain originals of all exhibits; submit copies. Keep a complete copy of the filed complaint with confirmation numbers.

12. SOURCES AND REFERENCES

• Arkansas Attorney General — File a Complaint — https://arkansasag.gov/file-a-complaint/
• Arkansas Attorney General — Consumer Protection Division — https://arkansasag.gov/divisions/public-protection/consumer-protection/
• Arkansas Attorney General — Contact — https://arkansasag.gov/contact-us/
• Arkansas Consumer Complaint Form (PDF) — https://media.ark.org/ag/Consumer-Complaint-Form.pdf
• Ark. Code Ann. § 4-88-104 (AG investigative authority) — https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/
• Ark. Code Ann. § 4-88-107 (deceptive practices) — https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/
• Ark. Code Ann. § 4-88-113 (civil enforcement and remedies) — https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-113/
• Ark. Code Ann. §§ 4-110-101 et seq. (Personal Information Protection Act) — https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-110/
• Ark. Code Ann. §§ 17-24-501 to 17-24-512 (AR FDCPA) — https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/
• Consumer Financial Protection Bureau — Submit a Complaint — https://www.consumerfinance.gov/complaint/
• CFPB Consumer Complaint Database — https://www.consumerfinance.gov/data-research/consumer-complaints/
• 12 U.S.C. § 5493 (CFPB Office of Consumer Response) — https://www.law.cornell.edu/uscode/text/12/5493
• 12 U.S.C. § 5531 (CFPB UDAAP authority) — https://www.law.cornell.edu/uscode/text/12/5531
• FTC Report Fraud — https://reportfraud.ftc.gov/
• IdentityTheft.gov — https://www.identitytheft.gov/

Disclaimer: This template is provided for informational purposes only and does not constitute legal advice. An attorney licensed in Arkansas should review this packet before submission if civil claims may follow. Filing a regulatory complaint does not toll any statute of limitations. Laws, citations, and agency procedures change; verify all authorities and contact details before filing.