Arizona AG and CFPB Consumer Complaint Pack

ARIZONA ATTORNEY GENERAL AND CFPB CONSUMER COMPLAINT PACK

TABLE OF CONTENTS

1. Filer Information
2. Respondent Information
3. Arizona Attorney General — Cover Letter
4. Arizona Attorney General — Complaint Narrative
5. CFPB — Complaint Narrative (Web-Form Format)
6. Schedule A — List of Supporting Documents
7. Verification
8. Distribution and Filing Checklist
9. Arizona Practice Notes
10. Sources and References

1. FILER INFORMATION

2. RESPONDENT INFORMATION

3. ARIZONA ATTORNEY GENERAL — COVER LETTER

[FILER NAME]

[ADDRESS]

[CITY, AZ ZIP]

Date: [__/__/____]

Office of the Arizona Attorney General

Consumer Information and Complaints Unit

2005 N. Central Ave.

Phoenix, AZ 85004

Telephone: (602) 542-5763 | Fax: (602) 542-4579

Online: https://consumer-complaint.azag.gov/

Re: Consumer Complaint — [BUSINESS / RESPONDENT NAME]

To the Consumer Information and Complaints Unit:

I am submitting the enclosed consumer complaint pursuant to the Arizona Consumer Fraud Act, A.R.S. § 44-1521 et seq., and request that the Office investigate the conduct described below. I believe the Respondent has engaged in deceptive or unfair acts or practices in connection with the sale or advertisement of merchandise or services in violation of A.R.S. § 44-1522 and applicable federal consumer protection laws.

I have attempted to resolve this matter directly with the Respondent. Despite my efforts, the matter remains unresolved. I am also filing a parallel complaint with the Consumer Financial Protection Bureau and reserve all civil remedies under A.R.S. § 44-1522, the Fair Debt Collection Practices Act (15 U.S.C. § 1692 et seq.), the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.), and other applicable law.

I authorize the Office to share this complaint and supporting documents with the Respondent for informal dispute-resolution purposes.

Sincerely,

[________________________________]

[FILER PRINTED NAME]

Enclosures: Complaint Narrative; Schedule A — Supporting Documents; Verification.

4. ARIZONA ATTORNEY GENERAL — COMPLAINT NARRATIVE

4.1 Type of Transaction

☐ Goods (retail, online, or in-person purchase)

☐ Services (home repair, auto repair, professional services)

☐ Credit, lending, or debt collection

☐ Real estate, landlord-tenant, or HOA

☐ Telecommunications / utilities

☐ Auto sales / leasing / warranty

☐ Healthcare or insurance

☐ Charitable solicitation

☐ Other: [________________________________]

4.2 Date of Transaction or First Contact

[__/__/____]

4.3 Amount in Controversy

$[__________]

4.4 Location of Transaction

[CITY, COUNTY, STATE]

4.5 Concise Statement of Facts

4.5.1. On [__/__/____], I [describe initial contact, advertisement, or transaction].

4.5.2. The Respondent represented that [describe specific representations made].

4.5.3. In reliance on those representations, I [describe the action you took — paid, signed, provided information].

4.5.4. The Respondent then [describe the unfair, deceptive, or unlawful conduct].

4.5.5. I attempted to resolve the matter on [__/__/____] by [describe efforts — calls, emails, letters, BBB complaints].

4.5.6. The Respondent [describe response or non-response].

4.5.7. As a result of the Respondent's conduct, I have suffered [describe financial loss, credit damage, emotional distress, lost time].

4.6 Specific Practices Complained Of (check all that apply)

☐ False or misleading advertising

☐ Bait-and-switch

☐ Concealment or omission of material facts

☐ Failure to honor warranty or refund policy

☐ Unauthorized charges or recurring billing

☐ Unlicensed activity

☐ Identity theft / use of personal information

☐ Abusive debt collection (FDCPA)

☐ Inaccurate credit reporting (FCRA)

☐ Predatory lending

☐ Robocalls / illegal telemarketing

☐ Other: [________________________________]

4.7 Resolution Sought

I am seeking the following resolution:

☐ Refund of $[__________]

☐ Cancellation of contract

☐ Repair or replacement of goods

☐ Removal of inaccurate credit-bureau information

☐ Cease-and-desist of further contact

☐ Investigation and enforcement action by the Office

☐ Other: [________________________________]

5. CFPB — COMPLAINT NARRATIVE (WEB-FORM FORMAT)

5.1 Product Category

☐ Debt collection

☐ Credit reporting / credit repair

☐ Mortgage

☐ Credit card / prepaid card

☐ Checking or savings account

☐ Vehicle loan or lease

☐ Student loan

☐ Payday loan / title loan / installment loan

☐ Money transfer / virtual currency / money services

5.2 Sub-Product / Issue

[Specify sub-product and issue per CFPB taxonomy — e.g., "Other (i.e., phone, health club, etc.)" + "Attempts to collect debt not owed"]

5.3 What Happened (Narrative)

5.3.1. [Provide the same fact narrative as Section 4.5, edited for the federal financial product/service angle.]

5.4 Desired Resolution

[Specify — refund, account correction, account closure, credit-bureau correction, ceasing of contact, other]

5.5 Fair Lending Concerns

☐ I believe the conduct involved discrimination based on a protected class (race, color, religion, national origin, sex, marital status, age, receipt of public assistance, exercise of consumer-protection rights). Briefly explain: [________________________________]

5.6 Public Disclosure Authorization

☐ I consent to publication of my narrative in the CFPB Consumer Complaint Database (with personal information removed).

6. SCHEDULE A — LIST OF SUPPORTING DOCUMENTS

7. VERIFICATION

I, [FILER FULL LEGAL NAME], declare under penalty of perjury under the laws of the State of Arizona and the United States of America that the foregoing complaint and supporting documents are true and correct to the best of my knowledge.

Executed on [__/__/____] at [CITY], Arizona.

[________________________________]

[FILER PRINTED NAME]

8. DISTRIBUTION AND FILING CHECKLIST

☐ Arizona AG Consumer Information and Complaints Unit — online portal

☐ Arizona AG mailed copy: 2005 N. Central Ave., Phoenix, AZ 85004

☐ Arizona AG fax: (602) 542-4579

☐ CFPB online portal: https://www.consumerfinance.gov/complaint/

☐ Better Business Bureau (Arizona): https://www.bbb.org/local-bbb/bbb-of-central-northern-and-western-arizona

☐ Arizona DIFI (if banking, lending, or debt collection): https://difi.az.gov/

☐ Arizona Department of Insurance (if insurance product): https://difi.az.gov/

☐ Arizona Registrar of Contractors (if construction): https://roc.az.gov/

☐ Federal Trade Commission: https://reportfraud.ftc.gov/

☐ State Bar of Arizona (if attorney misconduct): https://www.azbar.org/

☐ Photocopy of complaint and all attachments retained

☐ Confirmation / case number recorded: [________________________________]

☐ Calendar tickler set 30 / 60 / 90 days for follow-up

9. ARIZONA PRACTICE NOTES

• AG investigative authority. Under A.R.S. § 44-1531, the Attorney General may investigate suspected ACFA violations and issue civil investigative demands under § 44-1532. Most consumer complaints are handled through informal mediation by the Consumer Information and Complaints Unit; only a small subset proceed to formal enforcement.
• No private right of action created by complaint. Filing an AG or CFPB complaint does not create or extend a civil cause of action. The ACFA one-year limitations period (A.R.S. § 12-541(5)) and the FDCPA one-year period (15 U.S.C. § 1692k(d)) continue to run. Preserve the private claim by filing suit in parallel if necessary.
• CFPB complaint flow. Once submitted, the CFPB forwards the complaint to the responding company. The company must respond within 15 days and is expected to provide a final response within 60 days. The consumer may rate the company's response and (with consent) the narrative may appear in the public Consumer Complaint Database.
• Redaction. Both the AG and the CFPB share the complaint with the respondent. Redact full SSN, dates of birth, full account numbers, and minor children's information.
• Senior victims. If the consumer is 65+ or a vulnerable adult, additional remedies are available under A.R.S. § 46-455 (vulnerable adult abuse) and § 13-1802 (theft from a vulnerable adult). Note this status on the AG complaint to expedite review.
• Active litigation. The AG generally will not investigate matters pending in court. Disclose any pending litigation in the cover letter.
• Other regulators. For specific industries, parallel filings with DIFI (banking, lending, mortgage, debt collection), the Department of Insurance (insurance), the Registrar of Contractors (construction), the Department of Real Estate, the State Bar (attorney conduct), or the Medical Board may be more effective than an AG complaint alone.

10. SOURCES AND REFERENCES

• Arizona AG Consumer Complaints — https://www.azag.gov/complaints/consumer
• Arizona AG Online Complaint Portal — https://consumer-complaint.azag.gov/
• Arizona AG Complaint Form (PDF) — https://www.azag.gov/sites/default/files/docs/complaints/2023/cic_complaint_form_2023.pdf
• A.R.S. Title 44, Chapter 10, Article 7 (Consumer Fraud) — https://www.azleg.gov/arsDetail/?title=44
• CFPB Submit a Complaint — https://www.consumerfinance.gov/complaint/
• CFPB Consumer Complaint Database — https://www.consumerfinance.gov/data-research/consumer-complaints/
• Arizona DIFI — https://difi.az.gov/
• Arizona Registrar of Contractors — https://roc.az.gov/
• FTC ReportFraud — https://reportfraud.ftc.gov/

Disclaimer: This template is provided for informational purposes only and does not constitute legal advice. Administrative complaints do not toll civil deadlines. Consult an Arizona-licensed attorney to preserve litigation rights, particularly under the FDCPA (one-year), ACFA (one-year), and FCRA (two-year/five-year) limitation periods.