Delaware Attorney General and CFPB Complaint Pack

DELAWARE AG AND CFPB COMPLAINT PACK

TABLE OF CONTENTS

1. Cover Letter — Delaware Attorney General
2. Complainant and Respondent Information
3. Statement of Facts
4. Statutes and Rules Allegedly Violated
5. Relief Requested from the Delaware AG
6. Exhibit List
7. Verification and Signature
8. CFPB Complaint Worksheet
9. Cross-Filing Tracker
10. Delaware Practice Notes
11. Sources and References

1. COVER LETTER — DELAWARE ATTORNEY GENERAL

Date: [__/__/____]

To:

Delaware Department of Justice

Office of the Attorney General

Fraud and Consumer Protection Division

Consumer Protection Unit

Carvel State Office Building, 5th Floor

820 N. French Street

Wilmington, Delaware 19801

Phone: (302) 577-8400 (main) / (302) 683-8800 (Fraud & Consumer Protection)

Consumer Hotline: (800) 220-5424

Email: [email protected]

Re: Consumer Complaint Against [RESPONDENT NAME] — Violations of the Delaware Consumer Fraud Act, 6 Del. C. § 2511 et seq.

To the Consumer Protection Unit:

I respectfully submit this complaint pursuant to 6 Del. C. § 2522, which authorizes the Attorney General to investigate and act upon practices declared unlawful under the Delaware Consumer Fraud Act. I request that the Consumer Protection Unit (i) investigate the conduct described below; (ii) facilitate mediation through the Consumer Mediation Unit; and (iii) consider enforcement action, including civil penalties of up to $10,000 per willful violation under 6 Del. C. § 2522(b).

The conduct complained of caused me actual harm in the amount of approximately $[AMOUNT] and is, on information and belief, part of a pattern affecting other Delaware consumers.

2. COMPLAINANT AND RESPONDENT INFORMATION

Complainant

Full Name: [________________________________]

Mailing Address: [________________________________]

City/State/ZIP: [________________________________]

Phone: [________________________________]

Email: [________________________________]

Preferred Contact Method: ☐ Email ☐ Phone ☐ Mail

Are you represented by counsel? ☐ Yes ☐ No

If yes — Attorney name, firm, bar no., contact: [________________________________]

Respondent (Business)

Legal Name: [________________________________]

Trade Name / DBA: [________________________________]

Mailing Address: [________________________________]

Phone / Email / Website: [________________________________]

Delaware Business License No. (if known): [________________________________]

Registered Agent in Delaware: [________________________________]

Industry / Type of Business: [________________________________]

3. STATEMENT OF FACTS

3.1. Date of first transaction or contact with Respondent: [__/__/____]

3.2. Where the transaction took place (in person, online, by phone): [________________________________]

3.3. Amount paid or in dispute: $[AMOUNT]

3.4. Method of payment (check, credit card, ACH, cash, financed): [________________________________]

3.5. Description of the goods, services, or transaction: [________________________________]

3.6. Detailed chronological narrative of the conduct (use additional pages if needed):

3.6.1. [DATE] — [Describe Respondent's representation, advertisement, or conduct]

3.6.2. [DATE] — [Describe Complainant's reliance and what the Complainant did or paid]

3.6.3. [DATE] — [Describe how the Complainant discovered the deception or unfair practice]

3.6.4. [DATE] — [Describe each attempt to resolve the matter directly with Respondent and Respondent's response or non-response]

3.7. Misrepresentations made by Respondent (verbal or written): [________________________________]

3.8. Material facts concealed or omitted by Respondent: [________________________________]

3.9. Estimated total economic loss: $[AMOUNT]

3.10. Other Delaware consumers known to be affected (if any): [________________________________]

3.11. Other agencies, courts, or arbitrators where complaint has been filed: ☐ None ☐ FTC ☐ CFPB ☐ BBB ☐ Court (specify): [________________________________]

4. STATUTES AND RULES ALLEGEDLY VIOLATED

• ☐ 6 Del. C. § 2513 — Use of deception, fraud, false pretense, false promise, misrepresentation, or concealment, suppression, or omission of material fact in connection with the sale or advertisement of merchandise.
• ☐ 6 Del. C. § 2532 — Deceptive trade practices (including passing off, likelihood of confusion, false geographic origin, false sponsorship/approval claims).
• ☐ 6 Del. C. ch. 25A — Telemarketing Registration and Fraud Prevention Act.
• ☐ 6 Del. C. § 4310 — Door-to-door sales / cooling-off period violations.
• ☐ 6 Del. C. § 2531 et seq. — False advertising.
• ☐ 30 Del. C. § 2301(a)(11) — Unlicensed mercantile/collection activity.
• ☐ 15 U.S.C. § 1692 et seq. — Fair Debt Collection Practices Act.
• ☐ 15 U.S.C. § 1681 et seq. — Fair Credit Reporting Act.
• ☐ 12 C.F.R. Part 1006 — Reg F debt-collection rule.
• ☐ 15 U.S.C. § 45 — FTC Act § 5 (UDAP) parallel.
• ☐ Other: [________________________________]

5. RELIEF REQUESTED FROM THE DELAWARE AG

I respectfully request that the Attorney General:

• ☐ Open an investigation under 6 Del. C. § 2522;
• ☐ Refer the matter to the Consumer Mediation Unit for informal resolution;
• ☐ Issue civil investigative demands or subpoenas as warranted;
• ☐ Seek injunctive relief restraining the conduct;
• ☐ Seek consumer restitution and disgorgement;
• ☐ Seek civil penalties of up to $10,000 per willful violation under 6 Del. C. § 2522(b) (and up to $5,000 per non-willful violation, if applicable);
• ☐ Refer the matter to the appropriate licensing authority (Division of Revenue, Division of Professional Regulation, Office of the State Bank Commissioner, Insurance Commissioner) where applicable;
• ☐ Coordinate with the CFPB, FTC, or other state Attorneys General;
• ☐ Issue an Assurance of Voluntary Compliance and require future-conduct safeguards.

6. EXHIBIT LIST

7. VERIFICATION AND SIGNATURE

I declare under penalty of perjury under the laws of the State of Delaware that the foregoing is true and correct to the best of my knowledge.

[________________________________]

[COMPLAINANT NAME]

Date: [__/__/____]

8. CFPB COMPLAINT WORKSHEET

8.1. Product / Issue Selection

Product (select one): ☐ Debt collection ☐ Credit reporting ☐ Mortgage ☐ Credit card or prepaid card ☐ Checking/savings account ☐ Vehicle loan or lease ☐ Student loan ☐ Payday/title loan ☐ Money transfer/virtual currency ☐ Other consumer financial product

Sub-issue (free text): [________________________________]

8.2. What happened?

(Be concise — 4,000-character limit on portal. Use chronological order. Include amounts, dates, and what you want.)

[________________________________]

8.3. Desired resolution

☐ Refund / credit ☐ Account closure / removal ☐ Correction of credit report ☐ Stop contact ☐ Apology / explanation ☐ Other: [________________________________]

8.4. Company information

Company name: [________________________________]

Address: [________________________________]

8.5. Your information

Name: [________________________________]

Address (Delaware): [________________________________]

Phone / Email: [________________________________]

8.6. Consent to publish

☐ Yes — I consent to the publication of my complaint narrative in the CFPB Consumer Complaint Database (with personal info scrubbed).
☐ No — Withhold my narrative from publication.

8.7. Attachments

• ☐ Same exhibits as Section 6 above.

8.8. CFPB process expectations

• The CFPB forwards the complaint to the company, which has 15 days for an initial response and 60 days for a final response.
• The CFPB does not adjudicate individual disputes but tracks patterns and may refer to enforcement.
• Complaints in the public database remain searchable indefinitely.

9. CROSS-FILING TRACKER

10. DELAWARE PRACTICE NOTES

• Two complaint paths inside the AG. The Consumer Protection Unit (CPU) handles statutory enforcement under the DCFA and DTPA. The Consumer Mediation Unit (CMU) handles informal dispute resolution, often by phone or letter. Many filings start at CMU and escalate to CPU only when violations are identified.
• AG civil penalties. 6 Del. C. § 2522(b) authorizes civil penalties of up to $10,000 for each willful violation and up to $5,000 for each non-willful violation, plus restitution and disgorgement.
• Private rights are independent. A DE AG or CFPB complaint does not toll the FDCPA (1 year), DCFA (3 years under 10 Del. C. § 8106), or other private limitations periods. Calendar private deadlines separately and consult counsel about a tolling agreement.
• Online portal preferred. The DE AG strongly prefers online complaints at https://attorneygeneral.delaware.gov/fraud/cmu/complaint/. Mail and phone are accepted but slower.
• Confidentiality. AG investigative files are not public records in most circumstances. Consumers may request a status update from the assigned investigator.
• Spanish assistance. (877) 851-0482 for Spanish-language consumers.
• Investor and securities matters. Investment-related complaints go to the Investor Protection Unit, not the CPU.
• CFPB scope. CFPB jurisdiction is limited to consumer financial products and services. For deceptive non-financial conduct, file with the FTC.

11. SOURCES AND REFERENCES

• Delaware AG Consumer Protection Unit — https://attorneygeneral.delaware.gov/fraud/cpu/
• Delaware AG Consumer Mediation Unit — https://attorneygeneral.delaware.gov/fraud/cmu/
• Delaware AG online complaint form — https://attorneygeneral.delaware.gov/fraud/cmu/complaint/
• Delaware AG contact / Carvel Building — https://attorneygeneral.delaware.gov/contact/
• 6 Del. C. ch. 25 (Prohibited Trade Practices) — https://delcode.delaware.gov/title6/c025/index.html
• 6 Del. C. § 2522 (AG enforcement and civil penalties) — https://delcode.delaware.gov/title6/c025/sc02/index.html
• 6 Del. C. ch. 25A (Telemarketing Fraud Prevention) — https://delcode.delaware.gov/title6/c025a/index.shtml
• CFPB Consumer Complaint Portal — https://www.consumerfinance.gov/complaint/
• CFPB Consumer Complaint Database — https://www.consumerfinance.gov/data-research/consumer-complaints/
• FTC ReportFraud — https://reportfraud.ftc.gov/
• FTC IdentityTheft.gov — https://www.identitytheft.gov/

Disclaimer: This template is provided for informational purposes only and does not constitute legal advice. Administrative complaints can affect, but do not toll, private litigation deadlines. A Delaware-licensed attorney should review this complaint before submission, particularly where significant damages or contemporaneous private claims are involved.