Kansas AG and CFPB Complaint Pack

KANSAS AG AND CFPB COMPLAINT PACK

TABLE OF CONTENTS

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

1. SECTION A — KANSAS ATTORNEY GENERAL CONSUMER COMPLAINT

A.1. Submission Information

A.2. Complainant (Consumer) Information

Name: [FULL LEGAL NAME]

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

Telephone: [NUMBER] Email: [EMAIL]

Preferred contact method: ☐ Email ☐ Phone ☐ Mail

Are you represented by counsel? ☐ Yes ☐ No

If yes, Attorney name: [___], Kansas Bar No.: [___], Phone: [___], Email: [___].

Protected-consumer status (check all that apply for K.S.A. § 50-677 enhancement):

• ☐ Age 60 or older;
• ☐ Person with a disability;
• ☐ Active-duty member of the U.S. Armed Forces;
• ☐ Veteran of the U.S. Armed Forces;
• ☐ Surviving spouse of a veteran;
• ☐ Immediate family member of an active-duty servicemember.

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 ☐ Roofing (Kansas Roofing Registration Act) ☐ Telecom ☐ Healthcare billing ☐ Online retailer ☐ Charity / solicitor ☐ Cemetery / funeral ☐ Other: [___]

Kansas registration / license number (if known): [___]

Out-of-state principal office: [___]

A.4. Transaction Details

A.5. Statutory Basis (KCPA Categories)

The conduct violates the Kansas Consumer Protection Act in one or more of the following ways (check all that apply):

• ☐ Deceptive acts under K.S.A. § 50-626;
• ☐ Unconscionable acts under K.S.A. § 50-627;
• ☐ Identity theft / Wayne Owen Act under K.S.A. § 50-6,139;
• ☐ Door-to-door sales rights under K.S.A. § 50-640;
• ☐ Credit Services Organization Act under K.S.A. §§ 50-1116 to 50-1135;
• ☐ Kansas No-Call Act under K.S.A. § 50-670 et seq.;
• ☐ Kansas Roofing Registration Act under K.S.A. § 50-6,123;
• ☐ Charitable Organizations and Solicitations Act under K.S.A. § 17-1759 et seq.;
• ☐ Data Breach Notification Act under K.S.A. § 50-7a01 et seq.

A.6. Narrative — What Happened

Chronological narrative (attach additional pages as needed):

[___]

Specific deceptive or unconscionable acts identified:

• [Quoted misrepresentation 1, source, date]
• [Quoted misrepresentation 2, source, date]
• [Pricing, billing, or contract abuse]
• [Threats, harassment, or unauthorized charges]

A.7. Resolution Sought

I request the following relief:

• ☐ Investigation by the Kansas AG Consumer Protection Division under K.S.A. § 50-632;
• ☐ Injunctive relief or assurance of voluntary compliance under K.S.A. § 50-632(b);
• ☐ Restitution to me and other affected Kansas consumers;
• ☐ Civil penalty under K.S.A. § 50-636 (up to $10,000 per violation; up to $20,000 if K.S.A. § 50-677 enhancement applies);
• ☐ Referral to county / district attorney for criminal prosecution where appropriate;
• ☐ Mediation through the Kansas AG's mediation program;
• ☐ Other: [___].

A.8. Verification

I declare under penalty of perjury under the laws of the State of Kansas that the foregoing is true and correct.

[________________________________]

[FULL LEGAL NAME]

Date: [__/__/____]

A.9. Mailing / Submission Block

Submit by mail to:

Kansas Attorney General
Consumer Protection Division
120 SW 10th Avenue, 4th Floor
Topeka, KS 66612-1597

Phone: (800) 432-2310 or (785) 296-3751

Email: [email protected]

Fax: (785) 291-3699

Online: https://www.ag.ks.gov/file-a-complaint/consumer-protection

2. SECTION B — CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT

B.1. Product / Service Category (CFPB taxonomy)

Choose one (and any sub-issue):

• ☐ Debt collection (FDCPA, Reg F);
• ☐ Credit reporting / repair / personal consumer reports (FCRA);
• ☐ Mortgage (origination, servicing, foreclosure);
• ☐ Student loan (federal or private);
• ☐ Vehicle loan / lease;
• ☐ Payday / installment / title loan;
• ☐ Prepaid card / gift card;
• ☐ Money transfer / virtual currency / money service;
• ☐ Checking or savings account;
• ☐ Credit card / prepaid credit card;
• ☐ Other financial product: [___].

B.2. Issue Type

• ☐ Attempts to collect debt not owed;
• ☐ Communication tactics (frequency, harassment);
• ☐ False statements or representation;
• ☐ Threatened to contact someone or share information improperly;
• ☐ Took or threatened to take negative or legal action;
• ☐ Written notification about debt (validation defects);
• ☐ Improper use of your credit report;
• ☐ Incorrect information on your credit report;
• ☐ Problem with a credit reporting company's investigation;
• ☐ Other: [___].

B.3. Consumer Identification

B.4. Company Information

B.5. Narrative — What Happened

[___]

Specific federal-law violations alleged (check all that apply):

• ☐ FDCPA, 15 U.S.C. § 1692c (communications);
• ☐ FDCPA, 15 U.S.C. § 1692d (harassment);
• ☐ FDCPA, 15 U.S.C. § 1692e (false / misleading);
• ☐ FDCPA, 15 U.S.C. § 1692f (unfair practices);
• ☐ FDCPA, 15 U.S.C. § 1692g (validation);
• ☐ FCRA, 15 U.S.C. § 1681i (CRA reinvestigation);
• ☐ FCRA, 15 U.S.C. § 1681s-2(b) (furnisher reinvestigation);
• ☐ FCRA, 15 U.S.C. § 1681c-2 (block of identity-theft information);
• ☐ TILA, 15 U.S.C. § 1601 et seq.;
• ☐ RESPA, 12 U.S.C. § 2601 et seq.;
• ☐ EFTA, 15 U.S.C. § 1693 et seq.;
• ☐ ECOA, 15 U.S.C. § 1691 et seq.;
• ☐ Regulation F, 12 C.F.R. Part 1006;
• ☐ Other: [___].

B.6. Resolution Sought

• ☐ Stop contacting me;
• ☐ Correct or delete the credit-report tradeline;
• ☐ Refund / credit / waiver of charges;
• ☐ Apology / written explanation;
• ☐ Other: [___].

B.7. Consent for Publication

• ☐ I consent to publication of my narrative in the CFPB Consumer Complaint Database (PII automatically scrubbed);
• ☐ I do not consent to publication.

B.8. Submission Channel

• ☐ Online: https://www.consumerfinance.gov/complaint/;
• ☐ Phone: (855) 411-2372;
• ☐ Mail: Consumer Financial Protection Bureau, P.O. Box 2900, Clinton, IA 52733-2900;
• ☐ Fax: (855) 237-2392.

3. SECTION C — SUPPLEMENTARY FILINGS (FTC, BBB, KANSAS BANK COMMISSIONER)

C.1. FTC Consumer Sentinel — ReportFraud.ftc.gov

For practices outside CFPB jurisdiction (sweepstakes scams, pyramid schemes, online retail fraud, robocalls, identity theft):

• File at https://reportfraud.ftc.gov;
• Identity theft specifically: https://www.identitytheft.gov;
• FTC reports go into Consumer Sentinel and are accessible to state and federal law enforcement nationwide.

C.2. Better Business Bureau

The BBB serving central, southern, and southeast Kansas is BBB Wichita; northeast Kansas is BBB Kansas City. Online filing at https://www.bbb.org/file-a-complaint/. BBB has no enforcement authority but can mediate.

C.3. Kansas Office of the State Bank Commissioner (OSBC)

For complaints against:

• State-chartered banks;
• Money transmitters;
• Mortgage companies / loan originators;
• Consumer credit / supervised lenders;
• Credit services organizations (K.S.A. §§ 50-1116 to 50-1135);
• Debt management services.

File at:

Kansas Office of the State Bank Commissioner
700 SW Jackson, Suite 300
Topeka, KS 66603
Phone: (785) 296-2266
Online: https://osbckansas.gov

C.4. Kansas Insurance Department

For insurance-related consumer complaints (life, health, property/casualty, annuities):

Kansas Insurance Department
1300 SW Arrowhead Road
Topeka, KS 66604
Phone: (785) 296-3071 or (800) 432-2484
Online: https://insurance.kansas.gov

C.5. CFPB Specialty Bureaus (Credit Reporting Agencies)

Where the dispute concerns credit reporting:

• Equifax disputes — https://www.equifax.com/personal/credit-report-services/credit-dispute/;
• Experian disputes — https://www.experian.com/disputes/main.html;
• TransUnion disputes — https://www.transunion.com/credit-disputes/dispute-your-credit.

C.6. Federal Trade Commission Do Not Call Registry

For Kansas No-Call Act (K.S.A. § 50-670) and federal TCPA / Telemarketing Sales Rule violations:

• National Do Not Call Registry: https://www.donotcall.gov;
• Kansas No-Call complaints filed through the Kansas AG portal (Section A above).

4. SECTION D — DOCUMENT INVENTORY

5. KANSAS PRACTICE NOTES

• No private restitution from the AG. The Kansas Attorney General investigates and prosecutes KCPA violations in the public interest. While the AG may obtain restitution to consumers as part of a settlement or judgment under K.S.A. § 50-632(b)(2) or § 50-636, an individual complaint does not entitle the consumer to AG-led recovery. Pursue private remedies under K.S.A. § 50-634 in parallel where appropriate.
• Civil penalties. K.S.A. § 50-636 authorizes civil penalties of up to $10,000 per violation in AG enforcement actions, plus an additional $10,000 per violation under K.S.A. § 50-677 if the consumer is 60 or older, disabled, a veteran, a veteran's surviving spouse, or an immediate family member of a servicemember. Identify all protected-consumer factors in Section A.2.
• Mediation program. The Kansas AG's Consumer Protection Division offers a free mediation program. Mediation is non-binding and does not toll any statute of limitations. Use mediation early; do not let it expire your claim.
• Statutes enforced by the Consumer Protection Division (per ag.ks.gov): Kansas Consumer Protection Act, Charitable Organization and Solicitations Act, Kansas False Claims Act, Kansas Roofing Registration Act, Kansas No-Call Act, Kansas Cemetery Corporations Act, and Wayne Owen Act (identity theft).
• CFPB jurisdictional limits. CFPB authority covers debt collection, credit reporting, mortgages, deposit accounts, payday/installment loans, vehicle finance, and other consumer financial products. Non-financial consumer disputes (auto sales other than financing, home improvement other than financing, charitable solicitations) belong with the Kansas AG and FTC.
• Public Complaint Database. CFPB publishes complaints (with PII scrubbed) in a public database. Plaintiff narratives can be cited later in litigation. Choose consent-to-publish carefully — it is irrevocable once posted.
• Timing. Filing a regulatory complaint does not toll the FDCPA's one-year limitations period (15 U.S.C. § 1692k(d)) or the KCPA's three-year actual-damages limitations period (K.S.A. § 60-512). Calendar private-suit deadlines independently.
• No-Call Act. Telemarketing complaints under K.S.A. § 50-670 are filed through the Kansas AG portal; the AG and consumers both have private causes of action with civil penalties up to $10,000 per violation.

6. SOURCES AND REFERENCES

• Kansas Attorney General — Consumer Protection — https://www.ag.ks.gov/divisions/public-protection/consumer-protection
• Kansas AG — File a Complaint — https://www.ag.ks.gov/file-a-complaint/consumer-protection
• Kansas AG — Contact Us — https://www.ag.ks.gov/about-us/contact-us
• K.S.A. Chapter 50, Article 6 (KCPA) — https://www.ksrevisor.gov/statutes/chapters/ch50/050_006_0023.html
• K.S.A. § 50-632 (AG investigation) — https://ksrevisor.gov/statutes/chapters/ch50/050_006_0032.html
• K.S.A. § 50-634 (private remedies) — https://www.ksrevisor.gov/statutes/chapters/ch50/050_006_0034.html
• K.S.A. § 50-636 (civil penalties) — https://www.ksrevisor.gov/statutes/chapters/ch50/050_006_0036.html
• K.S.A. § 50-677 (enhanced penalty for protected consumers)
• K.S.A. § 50-6,139 (Wayne Owen Act)
• K.S.A. Article 7a (Data Breach Notification) — https://www.ksrevisor.gov/statutes/chapters/ch50/050_007a_0001.html
• K.S.A. Article 11 (Credit Services Organizations) — https://www.ksrevisor.gov/statutes/chapters/ch50/050_011_0016.html
• CFPB Submit a Complaint — https://www.consumerfinance.gov/complaint/
• CFPB Consumer Complaint Database — https://www.consumerfinance.gov/data-research/consumer-complaints/
• FTC Report Fraud — https://reportfraud.ftc.gov
• FTC Identity Theft — https://www.identitytheft.gov
• Kansas Office of the State Bank Commissioner — https://osbckansas.gov
• Kansas Insurance Department — https://insurance.kansas.gov
• BBB — https://www.bbb.org
• National Do Not Call Registry — https://www.donotcall.gov

Disclaimer: This template is provided for informational purposes only and does not constitute legal advice. An attorney licensed in Kansas must review and customize this document before use. Agency procedures, contact information, and statutes change frequently; verify all authorities and addresses before submission.