Kentucky AG and CFPB Consumer Complaint Pack

KENTUCKY AG AND CFPB CONSUMER COMPLAINT PACK

TABLE OF CONTENTS

1. Consumer Information
2. Respondent / Company Information
3. Common Statement of Facts
4. Part A — Kentucky Attorney General Complaint
5. Part B — CFPB Complaint
6. Optional Parallel Filings
7. Document Checklist
8. Signature and Verification
9. Kentucky Practice Notes
10. Sources and References

1. CONSUMER INFORMATION

2. RESPONDENT / COMPANY INFORMATION

3. COMMON STATEMENT OF FACTS

3.1. Date issue began: [__/__/____]

3.2. Date issue discovered: [__/__/____]

3.3. Amount in dispute: $[________]

3.4. Description of dispute (plain language, chronological, specific):

[NARRATIVE — describe each contact, document, and harm. Quote offending statements. Identify dates, channels, and persons. Limit jargon. Most agencies cap narratives around 6,000 characters.]

3.5. Steps already taken:

☐ Contacted the company in writing on [__/__/____]

☐ Spoke with a representative on [__/__/____] (name [________])

☐ Sent FDCPA debt-validation letter on [__/__/____]

☐ Disputed credit report under 15 U.S.C. § 1681i on [__/__/____]

☐ Filed a Kentucky police report on [__/__/____] (case no. [________])

☐ Filed FTC IdentityTheft.gov report on [__/__/____]

☐ Hired counsel on [__/__/____]

3.6. Resolution sought: [refund / cancellation / credit-report correction / cease collection / restitution / civil-penalty referral]

4. PART A — KENTUCKY ATTORNEY GENERAL COMPLAINT

4.1. Filing Channel

☐ Online: https://secure.kentucky.gov/formservices/AttorneyGeneral/ConsumerMediationForm

☐ Mail: Office of the Attorney General — Office of Consumer Protection, 1024 Capital Center Drive, Suite 200, Frankfort, KY 40601

☐ Phone intake: (888) 432-9257 (toll-free, option 3) | (502) 696-5389

4.2. Statement to the Kentucky Attorney General

To the Kentucky Office of Consumer Protection:

I respectfully submit this complaint under the Kentucky Consumer Protection Act, KRS § 367.110 et seq. The conduct described in Section 3 constitutes "unfair, false, misleading, or deceptive acts or practices in the conduct of any trade or commerce" prohibited by KRS § 367.170(1).

The relevant trade or commerce occurred in [COUNTY] County, Kentucky, on the date(s) set forth in Section 3.

I request that the Office of Consumer Protection:

☐ Open an investigation under KRS § 367.190;

☐ Mediate between me and the Respondent;

☐ Issue a civil investigative demand to Respondent if appropriate;

☐ Pursue restitution, injunctive relief, and / or civil penalties under KRS § 367.200, § 367.990;

☐ Refer the matter to the Kentucky Office of Data Privacy if data-protection violations are implicated.

I understand that the Office of Consumer Protection cannot represent me individually and that my rights to a private action under KRS § 367.220 run independently of any agency action.

4.3. Authorization

I authorize the Kentucky Office of Consumer Protection to share this complaint and any attached documents with the named Respondent and with other federal, state, and local enforcement agencies as it deems appropriate.

Date: [__/__/____]

Signature: [________________________________]

[CONSUMER NAME]

5. PART B — CFPB COMPLAINT

5.1. Filing Channel

☐ Online: https://www.consumerfinance.gov/complaint/

☐ Phone: (855) 411-CFPB (2372)

☐ Mail: Consumer Financial Protection Bureau, P.O. Box 2900, Clinton, IA 52733-2900

5.2. Product / Issue Categorization

Select primary category (one):

☐ Debt collection — [written notification / threatening / false statements / continued contact / wrong amount]

☐ Credit reporting — [incorrect information / improper use / unable to get report / fraud alert problem]

☐ Mortgage — [servicing / loss mitigation / payments / closing / origination]

☐ Credit card / prepaid card

☐ Checking or savings account

☐ Vehicle loan or lease

☐ Student loan

☐ Money transfer / virtual currency

☐ Payday loan / installment loan / title loan

☐ Other financial service

5.3. Statement to the CFPB

I am submitting this complaint to the Consumer Financial Protection Bureau pursuant to its consumer-response function under 12 U.S.C. § 5493(b)(3). The conduct described in Section 3 implicates the federal consumer-financial laws enforced by the CFPB, including:

☐ 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, 15 U.S.C. § 1601 et seq.

☐ Real Estate Settlement Procedures Act, 12 U.S.C. § 2601 et seq.

☐ Electronic Fund Transfer Act, 15 U.S.C. § 1693 et seq.

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

☐ Consumer Financial Protection Act (UDAAP), 12 U.S.C. § 5531

I request that the CFPB forward this complaint to the company for a substantive response and that any pattern be considered in its supervision and enforcement programs.

5.4. CFPB Authorization

I certify that the information provided is true and accurate to the best of my knowledge. I authorize the CFPB to share this complaint with the named company and to publish a non-personally-identifiable version in the CFPB Consumer Complaint Database.

Date: [__/__/____]

Signature: [________________________________]

[CONSUMER NAME]

6. OPTIONAL PARALLEL FILINGS

7. DOCUMENT CHECKLIST

Attach copies (NOT originals) of:

☐ Initial collection or billing letter

☐ Account statements showing the disputed amount

☐ Correspondence with the company (letters, emails, text-message screenshots)

☐ Certified-mail receipts and green cards

☐ Phone log (date, time, caller ID, content)

☐ Credit report excerpts highlighting disputed tradelines

☐ Police report and FTC IdentityTheft.gov report (if identity theft)

☐ Bank statements showing unauthorized charges

☐ Contracts, applications, or disclosures

☐ Any prior complaint responses received

8. SIGNATURE AND VERIFICATION

I, [CONSUMER NAME], hereby declare under penalty of perjury under the laws of the Commonwealth of Kentucky that the foregoing is true and correct to the best of my knowledge.

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

[________________________________]

[CONSUMER NAME]

9. KENTUCKY PRACTICE NOTES

• AG mediation, not litigation. The Kentucky Office of Consumer Protection (OCP) handles informal mediation between consumers and businesses. The Office cannot be the consumer's lawyer and does not represent individual consumers in court. Where systemic harm exists, OCP may open a public-protection investigation under KRS § 367.190 with restitution authority under § 367.200.
• AG senior-fraud emphasis. Kentucky AG Consumer Protection prioritizes complaints by Kentuckians age 60 and over and active-duty servicemembers. Identifying these statuses on the form expedites review.
• CFPB scope. CFPB jurisdiction reaches consumer financial products and services. It does NOT cover most insurance, real-estate-only disputes, or non-financial retail complaints; route those to the appropriate Kentucky agency.
• Public database. CFPB publishes a sanitized version of complaints in its public database. The consumer can opt in to publish their narrative; weigh privacy carefully.
• No tolling. Filing administrative complaints does NOT toll the FDCPA one-year SOL, the FCRA two-year SOL, or the KCPA two-year SOL. Talk to counsel about parallel litigation deadlines.
• KCPA "purchase" nexus. A private KCPA suit (KRS § 367.220) requires the plaintiff to have purchased or leased goods or services from the defendant or its privy. See Skilcraft Sheetmetal, Inc. v. Kentucky Mach., Inc., 836 S.W.2d 907 (Ky. Ct. App. 1992). The Kentucky AG's enforcement authority is broader and is not limited by Skilcraft.
• Avoid waivers. Many companies offer "settlement" through CFPB / AG portals conditioned on releases. Read carefully; consult counsel before signing.
• Recordkeeping. Save every confirmation number, every company response, and the full submission packet. They are evidence in subsequent FDCPA, FCRA, or KCPA actions.

10. SOURCES AND REFERENCES

• Kentucky AG Office of Consumer Protection — https://www.ag.ky.gov/about/Office-Divisions/OCP/Pages/default.aspx
• Kentucky AG Consumer Complaints Page — https://www.ag.ky.gov/Resources/Consumer-Resources/Consumers/Pages/Consumer-Complaints.aspx
• Kentucky AG Online Complaint Form — https://secure.kentucky.gov/formservices/AttorneyGeneral/ConsumerMediationForm
• KRS § 367.170 (Unlawful acts) — https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=34914
• KRS § 367.190 (Investigations) — https://apps.legislature.ky.gov/law/statutes/chapter.aspx?id=39092
• KRS § 367.220 (Private right of action) — https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=34922
• Skilcraft Sheetmetal, Inc. v. Kentucky Mach., Inc., 836 S.W.2d 907 (Ky. Ct. App. 1992) — https://law.justia.com/cases/kentucky/court-of-appeals/1992/91-ca-862-mr-1.html
• CFPB 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 (Consumer response) — https://www.law.cornell.edu/uscode/text/12/5493
• FTC ReportFraud — https://reportfraud.ftc.gov/
• Kentucky AG Office of Data Privacy (KCDPA) — https://www.ag.ky.gov/about/Office-Divisions/ODP/KCDPA/Pages/default.aspx

Disclaimer: This template is provided for informational purposes only and does not constitute legal advice. An attorney licensed in Kentucky should review and customize these complaints before submission. Administrative complaints do not toll private statutes of limitations; consult counsel about parallel deadlines.