Idaho AG and CFPB Complaint Pack

IDAHO AG AND CFPB COMPLAINT PACK

TABLE OF CONTENTS

1. Section A — Idaho Attorney General Consumer Complaint
2. Section B — Consumer Financial Protection Bureau Complaint
3. Section C — Supplementary Filings (FTC, FCC, BBB, Idaho DOF, DOI)
4. Section D — Document Inventory
5. Idaho Practice Notes
6. Sources and References

1. SECTION A — IDAHO ATTORNEY GENERAL CONSUMER COMPLAINT

A.1. Submission Information

A.2. Complainant (Consumer) Information

Name: [FULL LEGAL NAME]

Address: [STREET], [CITY], Idaho [ZIP]

Telephone: [NUMBER] Email: [EMAIL]

Preferred contact method: ☐ Email ☐ Phone ☐ Mail

Are you 60 years or older? ☐ Yes ☐ No (relevant to enhanced penalties under Idaho Code § 48-1505)

Are you a vulnerable adult as defined by Idaho Code § 39-5302? ☐ Yes ☐ No

Are you represented by counsel? ☐ Yes ☐ No

If yes, Attorney name: [___], Idaho State Bar No.: [___], Phone: [___].

A.3. Respondent (Business) Information

Business name: [___]

DBA / trade name(s): [___]

Street address: [___]

Telephone: [___] Website: [___]

Industry: ☐ Debt collection ☐ Credit reporting ☐ Lending ☐ Auto sales ☐ Home improvement ☐ Telecom ☐ Healthcare billing ☐ Online retailer ☐ Door-to-door ☐ Travel/Timeshare ☐ Other: [___]

Idaho license/registration (if any): [___]

Have you previously filed a complaint against this business? ☐ Yes ☐ No

A.4. Transaction Information

Date(s) of transaction or violation: [__/__/____] to [__/__/____]

Amount in dispute: $[___]

How was the transaction initiated? ☐ In person ☐ Online ☐ Phone ☐ Mail ☐ Door-to-door ☐ Trade show ☐ Other: [___]

Method of payment: ☐ Credit card ☐ Debit ☐ Bank draft ☐ Cash ☐ Check ☐ Wire ☐ Crypto ☐ Other: [___]

A.5. Statement of Facts

1. On [__/__/____], I [describe how you first encountered the business — advertisement, cold call, in-store visit, online listing].

2. The business represented that [describe representations made].

3. I relied on those representations and [describe action taken — signed contract, paid deposit, provided information].

4. After the transaction, [describe what happened — non-delivery, hidden fees, harassment, unauthorized charges, deceptive billing].

5. I attempted to resolve the matter directly by [describe — calls on dates, letters, return visits]. The business [response or lack thereof].

6. The business's conduct appears to be standardized and applied to other Idaho consumers based on [describe basis — similar online reviews, BBB reports, news coverage].

7. As a result, I have suffered the following injuries:

• ☐ Out-of-pocket loss of $[___];
• ☐ Damage to credit file;
• ☐ Time lost: approximately [___] hours;
• ☐ Emotional distress;
• ☐ Other: [___].

A.6. Identification of Conduct (Check All That Apply)

The conduct described above appears to violate the Idaho Consumer Protection Act, Idaho Code § 48-603:

• ☐ Passing off goods or services as those of another (§ 48-603(1));
• ☐ Causing likelihood of confusion or of misunderstanding as to source, sponsorship, or approval (§ 48-603(2)–(3));
• ☐ Using deceptive geographic-origin representations (§ 48-603(4));
• ☐ Representing that goods/services have characteristics, ingredients, uses, benefits, or quantities they do not have (§ 48-603(5));
• ☐ Representing goods as new or unused when they are not (§ 48-603(6));
• ☐ Representing that goods/services are of a particular standard, quality, or grade when they are not (§ 48-603(7));
• ☐ Disparaging the goods, services, or business of another by false or misleading representation (§ 48-603(8));
• ☐ Advertising goods or services with intent not to sell them as advertised (§ 48-603(9));
• ☐ Advertising goods or services with intent not to supply reasonable expectable demand (§ 48-603(10));
• ☐ Making false or misleading statements concerning reasons for, existence of, or amounts of price reductions (§ 48-603(11));
• ☐ Engaging in unconscionable methods, acts, or practices (§ 48-603C);
• ☐ Failing to deliver goods or services when timely payment was made (§ 48-603(17));
• ☐ Violations of the Idaho Collection Agency Act, Idaho Code § 26-2222 et seq.;
• ☐ Violations of Idaho data-breach notification law, Idaho Code § 28-51-104 et seq.;
• ☐ Other: [___].

A.7. Resolution Sought

I respectfully request the following relief:

• ☐ Investigation by the Idaho Attorney General's Consumer Protection Division;
• ☐ Cease-and-desist directive against the business pursuant to Idaho Code § 48-607;
• ☐ Restitution and refund of $[___] under Idaho Code § 48-606;
• ☐ Civil penalties under Idaho Code § 48-606(5) (up to $5,000 per violation);
• ☐ Enhanced civil penalties under Idaho Code § 48-1505 ($15,000 or treble damages where directed at an elderly or disabled person);
• ☐ Removal of negative credit reporting;
• ☐ Public consumer alert; and
• ☐ Such other and further relief as appropriate.

A.8. Authorization and Verification

I hereby authorize the Idaho Attorney General to share this complaint and supporting documents with the business identified above, with other federal and state regulators, and with any law-enforcement agency for the purpose of investigation. I understand that this complaint and the supporting documents I attach are public records under the Idaho Public Records Act, Idaho Code § 74-101 et seq. I have redacted Social Security numbers, dates of birth, and financial-account numbers from the documents I am submitting.

I declare under penalty of perjury under the laws of the State of Idaho (Idaho Code § 9-1406) that the foregoing is true and correct to the best of my knowledge.

[________________________________] Date: [__/__/____]

[COMPLAINANT NAME]

Submission addresses:

• Online: https://www.ag.idaho.gov/office-resources/online-forms (select "File a Complaint" → "Consumer Complaint")
• Mail: Office of the Attorney General, Consumer Protection Division, 700 W. Jefferson Street, Suite 210, P.O. Box 83720, Boise, ID 83720-0010
• Phone (intake): (208) 334-2424 / 1-800-432-3545
• Fax: (208) 334-4151

2. SECTION B — CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT

B.1. Product / Issue Selection

Primary product (select one):

• ☐ Debt collection
• ☐ Credit reporting / credit repair / other personal consumer reports
• ☐ Mortgage
• ☐ Credit card or prepaid card
• ☐ Bank account or service
• ☐ Vehicle loan or lease
• ☐ Student loan
• ☐ Payday loan, title loan, personal loan, or installment loan
• ☐ Money transfer, virtual currency, or money service
• ☐ Other financial service

Specific issue: [___]

B.2. What Happened (Narrative)

[Insert chronological narrative consistent with Section A.5 above. Identify dates, amounts, account numbers, and the federal consumer-financial laws implicated, e.g., FDCPA, FCRA, RESPA, TILA, ECOA, EFTA, CFPA Sections 1031/1036 (UDAAP).]

B.3. Resolution Sought

• ☐ Refund or credit of $[___];
• ☐ Correction of credit report;
• ☐ Cessation of unlawful debt-collection conduct;
• ☐ Loan modification / payment plan;
• ☐ Account closure;
• ☐ Apology and explanation;
• ☐ Other: [___].

B.4. Consent and Authorization

• ☐ I consent to publication of my narrative (with personal info scrubbed) on the CFPB Consumer Complaint Database.
• ☐ I authorize the CFPB to share this complaint with the company and with state and federal partners, including the Idaho Attorney General.

B.5. Submission

Online (preferred): https://www.consumerfinance.gov/complaint/

Phone: (855) 411-CFPB (2372); TTY/TDD: (855) 729-2372

Mail: Consumer Financial Protection Bureau, P.O. Box 27170, Washington, DC 20038

The CFPB will forward the complaint to the company and will require a response within 15 days. Most complaints close within 60 days.

3. SECTION C — SUPPLEMENTARY FILINGS (FTC, FCC, BBB, IDAHO DOF, DOI)

C.1. Federal Trade Commission

For non-financial consumer matters (deceptive advertising, telemarketing fraud, identity theft, robocalls, scams):

• Online: https://reportfraud.ftc.gov
• Identity theft: https://www.identitytheft.gov

C.2. Federal Communications Commission

For unwanted robocalls, robotexts, and TCPA-related conduct:

• Online: https://consumercomplaints.fcc.gov

C.3. Idaho / Regional Better Business Bureau

For voluntary mediation and public record:

• BBB Great West + Pacific (covering Idaho) — https://www.bbb.org/local-bbb/bbb-of-the-northwest

C.4. State Sector Regulators (As Applicable)

C.5. Idaho Department of Finance — Collection Agency Complaints

For complaints specifically against debt collectors, mortgage servicers, escrow agents, or finance companies operating without an Idaho license or in violation of the Idaho Collection Agency Act:

• Online: https://www.finance.idaho.gov/consumer-finance/file-a-complaint/
• Mail: Idaho Department of Finance, Consumer Finance Bureau, P.O. Box 83720, Boise, ID 83720-0031
• Phone: (208) 332-8000

C.6. Idaho Department of Insurance — Insurance Complaints

For insurance carrier or producer misconduct:

• Online: https://doi.idaho.gov/consumers/file-a-complaint/
• Phone: (208) 334-4250 / 1-800-721-3272

4. SECTION D — DOCUMENT INVENTORY

Attach the following to each filing as appropriate (use the same exhibit numbers across all complaints to maintain a unified record):

• ☐ Exhibit 1 — Contract or terms of service
• ☐ Exhibit 2 — Billing statements, invoices, payment records
• ☐ Exhibit 3 — Written communications (emails, letters, text messages)
• ☐ Exhibit 4 — Call logs and transcripts (if recorded — Idaho is a one-party-consent state under Idaho Code § 18-6702)
• ☐ Exhibit 5 — Advertisements, screenshots, and marketing material
• ☐ Exhibit 6 — Credit reports with disputed items circled
• ☐ Exhibit 7 — Police report and FTC identity-theft report (where applicable)
• ☐ Exhibit 8 — Photographs, video, or audio
• ☐ Exhibit 9 — Prior complaint correspondence and responses
• ☐ Exhibit 10 — Sworn affidavit of complainant

5. IDAHO PRACTICE NOTES

• Idaho AG enforcement scope. The Consumer Protection Division investigates and prosecutes violations of the Idaho Consumer Protection Act, the Idaho Charitable Solicitation Act, and other Title 48 statutes. The Division does not represent individual consumers and does not, as a matter of right, recover restitution for them, but its enforcement actions in the public interest under Idaho Code § 48-606 frequently include consumer redress.
• Civil penalties. Idaho Code § 48-606(5) authorizes civil penalties of up to $5,000 per violation in actions brought by the AG. Idaho Code § 48-1505(3) provides enhanced civil relief for violations against elderly (60+) or vulnerable adults — $15,000 per violation or treble actual damages, whichever is greater.
• Public records caveat. Idaho complaints are public records under the Idaho Public Records Act (Idaho Code § 74-101 et seq.). Redact all Social Security numbers, dates of birth, financial account numbers, medical records, and other sensitive information before filing. Email submissions are NOT accepted by the AG; mail or use the online portal.
• Voluntary dispute resolution. The AG's process is voluntary: complaints are forwarded to the business for response. Resolution typically takes several weeks to several months. The AG cannot compel a private settlement.
• Preservation of private rights. Filing an AG complaint does not toll the statute of limitations on private claims. FDCPA: 1 year. ICPA: 2 years (Idaho Code § 48-619). FCRA: 2 years from discovery / 5 years from violation. File a private suit on the calendar regardless of administrative status.
• CFPB authority. The CFPB regulates debt collectors, CRAs, mortgage servicers, payday lenders, student-loan servicers, and most consumer-financial institutions. CFPA Sections 1031/1036 prohibit unfair, deceptive, or abusive acts or practices (UDAAPs).
• Interaction with private litigation. Consumer complaint narratives published in the CFPB database may be admissible to show pattern and practice. Mark sensitive narratives carefully.
• Cross-referrals. The Idaho AG routinely refers matters to the Idaho Department of Finance (collection agencies, mortgage, escrow), the Department of Insurance, the Idaho Real Estate Commission, the FTC, and the CFPB.
• Class actions. The ICPA permits class actions under Idaho R. Civ. P. 23. Pattern-and-practice evidence assembled through AG / CFPB complaint records is often the foundation for class certification.
• Anti-retaliation. While Idaho lacks an explicit anti-retaliation statute for consumer complainants comparable to Colorado's C.R.S. § 6-1-104.5, retaliatory conduct may itself constitute an unfair practice under Idaho Code § 48-603 and may be actionable as tortious interference or intentional infliction of emotional distress.

6. SOURCES AND REFERENCES

• Idaho AG, File a Consumer Complaint — https://www.ag.idaho.gov/consumer-protection/consumer-complaints/
• Idaho AG, Online Complaint Form — https://www.ag.idaho.gov/office-resources/online-forms/
• Idaho AG, Consumer Complaint Form (PDF) — https://www.ag.idaho.gov/content/uploads/2018/10/ConsumerComplaintForm_Final.pdf
• Idaho AG, Consumer Protection Manual — https://www.ag.idaho.gov/content/uploads/2018/04/ConsumerProtectionManual.pdf
• Idaho AG, Report Scams — https://www.ag.idaho.gov/consumer-protection/report-scams-idaho/
• Idaho Code Title 48, Chapter 6 (ICPA) — https://legislature.idaho.gov/statutesrules/idstat/title48/t48ch6/
• Idaho Code § 48-603 (unfair practices) — https://legislature.idaho.gov/statutesrules/idstat/title48/t48ch6/sect48-603/
• Idaho Code § 48-606 (AG authority) — https://legislature.idaho.gov/statutesrules/idstat/title48/t48ch6/
• Idaho Code § 48-608 (private remedy) — https://legislature.idaho.gov/statutesrules/idstat/title48/t48ch6/sect48-608/
• Idaho Code § 48-1505 (senior/vulnerable adult enhancement) — https://legislature.idaho.gov/statutesrules/idstat/title48/t48ch15/
• Idaho Code Title 26, Chapter 22 (Collection Agencies) — https://legislature.idaho.gov/statutesrules/idstat/title26/t26ch22/
• Idaho Code Title 28, Chapter 51 (Data Breach) — https://legislature.idaho.gov/statutesrules/idstat/title28/t28ch51/
• Idaho Department of Finance — https://www.finance.idaho.gov/
• Idaho Department of Insurance — https://doi.idaho.gov/
• CFPB, Submit a Complaint — https://www.consumerfinance.gov/complaint/
• CFPB, Consumer Complaint Database — https://www.consumerfinance.gov/data-research/consumer-complaints/
• FTC, ReportFraud.gov — https://reportfraud.ftc.gov
• FCC Consumer Complaints — https://consumercomplaints.fcc.gov

Disclaimer: This template is provided for informational purposes only and does not constitute legal advice. An attorney licensed in Idaho should review filings before submission, particularly where civil litigation is contemplated, where representations could be used adversely, or where the underlying facts may implicate criminal liability.