Nebraska AG and CFPB Consumer Complaint Pack
NEBRASKA AG AND CFPB CONSUMER COMPLAINT PACK
TABLE OF CONTENTS
- Overview and Routing Decision Tree
- Consumer Information Worksheet
- Subject of Complaint (Business / Collector / Furnisher)
- Narrative of the Conduct
- Documentary Evidence Index
- Nebraska Attorney General Complaint
- CFPB Complaint
- Companion Agency Filings
- Action Checklist and Follow-Up
- Nebraska Practice Notes
- Sources and References
1. OVERVIEW AND ROUTING DECISION TREE
| Conduct Type | Nebraska AG | CFPB | Other |
|---|---|---|---|
| Debt collection abuse (FDCPA) | ☐ Yes | ☐ Yes | NDBF (license) |
| Credit reporting errors / FCRA | ☐ Yes | ☐ Yes | CRA dispute first |
| Mortgage servicing | ☐ Yes | ☐ Yes | HUD if FHA |
| Bank deposit / overdraft | ☐ Yes | ☐ Yes | NDBF; OCC if national bank |
| Payday / installment lending | ☐ Yes | ☐ Yes | NDBF (Installment Loan Act) |
| Vehicle financing | ☐ Yes | ☐ Yes | NMV Industry Licensing Bd |
| Student loan servicing | ☐ Yes | ☐ Yes | ED Ombudsman |
| Deceptive ads / scams | ☐ Yes | ☐ Often | FTC; BBB |
| Identity theft | ☐ Yes | ☐ Yes | FTC IdentityTheft.gov; police |
| Charity / fundraising | ☐ Yes | ☐ No | NE Sec. of State |
| Robocalls / TCPA | ☐ Yes | ☐ Sometimes | FTC; FCC |
| Data breach notification | ☐ Yes | ☐ No | NDBF (financial entity) |
2. CONSUMER INFORMATION WORKSHEET
| Field | Detail |
|---|---|
| Full Legal Name | [NAME] |
| Date of Birth | [__/__/____] |
| Mailing Address | [STREET, CITY, NE ZIP] |
| County | [COUNTY] |
| Phone | [NUMBER] |
| [EMAIL] | |
| Preferred Contact Method | [email / phone / mail] |
| Are you the affected consumer? | ☐ Yes ☐ No (relationship: [__]) |
| Active duty servicemember or dependent? | ☐ Yes ☐ No |
| Age 60 or older? | ☐ Yes ☐ No (relevant for vulnerable-consumer enhancements) |
| Authorized representative? | ☐ Yes ☐ No (attach written authorization) |
| Have you sued? | ☐ No ☐ Yes (court / case no.: [___]) |
| Have you hired a lawyer? | ☐ No ☐ Yes (firm: [___]) |
3. SUBJECT OF COMPLAINT (BUSINESS / COLLECTOR / FURNISHER)
| Field | Detail |
|---|---|
| Company Legal Name | [NAME] |
| DBA / Trade Name | [NAME] |
| Street Address | [STREET, CITY, STATE ZIP] |
| Phone | [NUMBER] |
| Website | [URL] |
| State of Incorporation | [STATE] |
| Nebraska Registered Agent | [NAME / ADDRESS] |
| License or Registration No. | [NUMBER and issuing agency] |
| Specific Person(s) Involved | [NAME, TITLE] |
| Account / Reference No. | [NUMBER] |
| Amount in Dispute | $[AMT] |
| Date(s) of Conduct | [__/__/____ to __/__/____] |
4. NARRATIVE OF THE CONDUCT
4.1. What happened. [Plain-language chronological narrative — who, what, when, where, why you believe it is unfair, deceptive, or unlawful. 250–750 words is ideal. Avoid legal conclusions; describe conduct.]
4.2. What law you believe was violated (optional but helpful). [Cite FDCPA, FCRA, NCPA § 59-1602, UDTPA § 87-302, NCAA § 45-601, etc.]
4.3. What you have done so far. [Disputes filed, dates of phone calls, certified-mail validation requests, identity-theft affidavits, prior complaints.]
4.4. What you want to happen. [Specific resolution — refund, credit-line correction, account closure, license review, public enforcement action.]
4.5. Harm suffered. [Out-of-pocket loss, denied credit, lost time from work, emotional distress, damaged credit score, etc.]
5. DOCUMENTARY EVIDENCE INDEX
| Ex. | Description | Date | Pages |
|---|---|---|---|
| A | Initial dunning notice / advertisement / contract | [__/__/____] | [##] |
| B | Validation / dispute letter sent (with green card) | [__/__/____] | [##] |
| C | Company response (or note of non-response) | [__/__/____] | [##] |
| D | Account statements highlighting disputed entries | [__/__/____] | [##] |
| E | Credit report excerpts (CRA name and date) | [__/__/____] | [##] |
| F | Police report / FTC IdentityTheft.gov report | [__/__/____] | [##] |
| G | Phone call log (date, time, number, summary) | [range] | [##] |
| H | Recordings or screenshots of communications | [__/__/____] | [##] |
| I | Other: [___] | [__/__/____] | [##] |
6. NEBRASKA ATTORNEY GENERAL COMPLAINT
6.1. Filing Channels
Online (preferred): https://protectthegoodlife.nebraska.gov/file-consumer-complaint
Email: [email protected]
Mail:
Office of the Attorney General
Consumer Protection Division — Consumer Affairs Response Team
2115 State Capitol
P.O. Box 98920
Lincoln, NE 68509-8920
Phone: (800) 727-6432 (Nebraska toll-free) or (402) 471-2682
Local CART line: (402) 471-2785
6.2. Complaint Letter Template
DATE: [__/__/____]
TO: Office of the Attorney General — Consumer Protection Division
RE: Consumer Complaint — [BUSINESS NAME] — Conduct on or about [__/__/____]
Dear Consumer Protection Division:
I am submitting this complaint pursuant to Neb. Rev. Stat. § 59-1601 et seq. (Nebraska Consumer Protection Act) and Neb. Rev. Stat. § 87-301 et seq. (Uniform Deceptive Trade Practices Act).
Complainant: [NAME, ADDRESS, PHONE, EMAIL]
Subject of Complaint: [BUSINESS NAME, ADDRESS, PHONE, REGISTERED AGENT, LICENSE NO.]
Summary of Conduct: [See § 4 narrative; attach as supplement.]
Statutes I Believe Were Violated:
- ☐ Neb. Rev. Stat. § 59-1602 (unfair or deceptive acts in trade or commerce)
- ☐ Neb. Rev. Stat. § 87-302 (deceptive trade practices enumerated)
- ☐ Neb. Rev. Stat. § 45-601 (unlicensed collection agency)
- ☐ Neb. Rev. Stat. § 87-801 et seq. (data security breach notification)
- ☐ Federal: 15 U.S.C. § 1692 (FDCPA) / § 1681 (FCRA) / § 1693 (EFTA)
Resolution Sought:
- ☐ Refund of $[AMT]
- ☐ Cease-and-desist directive
- ☐ Public enforcement action / civil penalty under § 87-303.10
- ☐ License revocation referral to NDBF or other regulator
- ☐ Other: [___]
Authorization to Forward. I authorize the Attorney General to forward this complaint and supporting documents to the subject business and to other state, federal, or self-regulatory agencies as the office deems appropriate. I understand that the Attorney General does not represent me individually.
Enclosed: Exhibits A–[__] (see § 5 index).
Sincerely,
[________________________________]
[CONSUMER NAME]
7. CFPB COMPLAINT
7.1. Filing Channels
Online (preferred): https://www.consumerfinance.gov/complaint/
Phone: (855) 411-CFPB / (855) 411-2372 (TTY/TDD: 855-729-2372)
Mail:
Consumer Financial Protection Bureau
P.O. Box 27170
Washington, DC 20038
7.2. Online Portal Worksheet
| Portal Field | Your Entry |
|---|---|
| Product | [Debt collection / Credit reporting / Mortgage / Vehicle loan / Bank account / Payday loan / Money transfer / Prepaid card / Student loan / Other] |
| Sub-product | [I do not know / Other (please specify) / etc.] |
| Issue | [Attempts to collect debt not owed / False statements or representation / Took or threatened to take negative or legal action / Communication tactics / Improper use of your report / etc.] |
| Sub-issue | [Specific sub-issue from dropdown] |
| What happened (narrative) | [Paste § 4 narrative — 1–2 paragraphs, plain language, no legal conclusions required.] |
| Desired resolution | [Specific outcome — non-monetary or monetary] |
| Dollar amount in dispute | $[AMT] |
| Public-facing version of narrative | [Optional consumer-friendly version that may be published in CFPB Consumer Complaint Database with PII removed.] |
| Account information (last 4 only) | [XXXX] |
| Date of incident | [__/__/____] |
| Have you contacted the company? | ☐ Yes ☐ No |
| Are you a servicemember? | ☐ Yes ☐ No |
| Older American (62+)? | ☐ Yes ☐ No |
7.3. CFPB Process Notes
- The company has 15 calendar days to provide an initial response and 60 days to provide a final response.
- You will receive a tracking number; save it.
- After receiving the company response, you have 60 days to provide feedback (helpful / not helpful) — use this window to escalate.
- Most CFPB complaints are published in the public Consumer Complaint Database with personally identifying information redacted.
8. COMPANION AGENCY FILINGS
| Issue | Agency | URL / Address |
|---|---|---|
| Unlicensed collection agency / bank misconduct | Nebraska Department of Banking and Finance | https://ndbf.nebraska.gov/ — (402) 471-2171 |
| Insurance carrier conduct | Nebraska Department of Insurance | https://doi.nebraska.gov/ — (877) 564-7323 |
| Securities / investment fraud | NDBF Bureau of Securities | https://ndbf.nebraska.gov/bureaus/securities |
| Health-care provider | Nebraska DHHS — Licensure Unit | https://dhhs.ne.gov/licensure |
| Robocalls and DNC violations | FTC DoNotCall.gov + FCC | https://www.donotcall.gov/ ; https://consumercomplaints.fcc.gov/ |
| Identity theft (federal coordinator) | FTC IdentityTheft.gov | https://www.identitytheft.gov/ |
| Mortgage / housing | HUD | https://www.hud.gov/complaints |
| Auto dealer / odometer | Nebraska Motor Vehicle Industry Licensing Board | https://nmvilb.nebraska.gov/ |
| Charity / nonprofit | Nebraska Secretary of State | https://sos.nebraska.gov/ |
| Better Business Bureau | BBB Serving Nebraska | https://www.bbb.org/local-bbb/bbb-of-nebraska |
9. ACTION CHECKLIST AND FOLLOW-UP
- ☐ Drafted narrative (§ 4) — neutral, factual, exhibit-referenced
- ☐ Indexed exhibits (§ 5) and redacted PII
- ☐ Filed Nebraska AG complaint (date: [__/__/____], confirmation: [___])
- ☐ Filed CFPB complaint (date: [__/__/____], tracking no.: [___])
- ☐ Filed companion agency complaints (list: [___])
- ☐ Calendared 15-day CFPB initial response date
- ☐ Calendared 60-day CFPB final response date
- ☐ Calendared 30-day Nebraska AG response check-in
- ☐ Logged all post-filing communications from agency or company
- ☐ Calendared FDCPA 1-year and NCPA 4-year civil-suit deadlines
- ☐ Consulted attorney about parallel civil action
- ☐ Retained complete file (electronic + paper) for 3+ years
10. NEBRASKA PRACTICE NOTES
- Agency and private routes differ. Under § 59-1614, the Nebraska AG may seek a civil penalty of up to $2,000 for each § 59-1602 violation; separate penalties apply to specified antitrust or injunction violations. Section 87-303.10 is a four-year UDTPA limitations provision, not a vulnerable-consumer penalty. The available injunction, restoration, penalty, and private-action remedies depend on the section and facts; § 59-1609 separately supplies a qualifying private NCPA action.
- No punitive damages — civil penalties distinguished. Nebraska bars punitive damages in private civil suits (Neb. Const. art. VII, § 5; Distinctive Printing & Packaging Co. v. Cox, 232 Neb. 846 (1989)). Civil penalties recovered by the Attorney General are not punitive damages and remain available in public enforcement.
- CFPB scope. The CFPB has jurisdiction over consumer financial products and services; it does not handle pure consumer-goods complaints (e.g., defective appliances), insurance, or securities. For those, file with the Nebraska AG and the relevant agency.
- Public database disclosure. CFPB complaints are published with PII removed. Consumers can opt out of public disclosure of the narrative if they wish.
- Limitation periods are NOT tolled. Filing administrative complaints does not extend the FDCPA 1-year, NCPA 4-year, or FCRA 2-year statutes of limitations. Consult counsel about parallel civil filing.
- Coordination. The Nebraska AG and CFPB share information on multi-state collectors. A complaint to one may inform investigation by the other.
- Servicemember and elder enhancements. Identify servicemember status and age 60+ in both filings. Both agencies and the AG's office triage these complaints with priority.
11. SOURCES AND REFERENCES
- Nebraska Attorney General — Protect The Good Life — https://protectthegoodlife.nebraska.gov/
- Nebraska AG — File a Complaint — https://protectthegoodlife.nebraska.gov/file-consumer-complaint
- Nebraska AG — Consumer Affairs Response Team — https://protectthegoodlife.nebraska.gov/news/attorney-general-announces-consumer-affairs-response-team
- Nebraska AG — Main Office — https://ago.nebraska.gov/
- CFPB Submit a Complaint — https://www.consumerfinance.gov/complaint/
- CFPB Consumer Complaint Database — https://www.consumerfinance.gov/data-research/consumer-complaints/
- Neb. Rev. Stat. § 59-1602 (NCPA) — https://nebraskalegislature.gov/laws/statutes.php?statute=59-1602
- Neb. Rev. Stat. § 59-1608 (AG enforcement) — https://nebraskalegislature.gov/laws/statutes.php?statute=59-1608
- Neb. Rev. Stat. § 87-303.02 (AG UDTPA powers) — https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.02
- Neb. Rev. Stat. § 87-303.10 (UDTPA civil penalties) — https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.10
- Nebraska Department of Banking and Finance — https://ndbf.nebraska.gov/
- Nebraska Department of Insurance — https://doi.nebraska.gov/
- FTC IdentityTheft.gov — https://www.identitytheft.gov/
- FTC DoNotCall.gov — https://www.donotcall.gov/
Disclaimer: This template is for informational purposes only and does not constitute legal advice. Filing administrative complaints is not a substitute for consulting a Nebraska-licensed attorney about your civil rights and remedies. Filing does not toll any statute of limitations.
About this template
- Last updated
- September 6, 2026
- Jurisdiction
- Nebraska
- Category
- Consumer Protection
Legal authority
- Neb. Rev. Stat. § 59-1601 et seq. (Nebraska Consumer Protection Act)
- Neb. Rev. Stat. § 59-1608 (Attorney General investigation and enforcement authority)
- Neb. Rev. Stat. § 87-301 et seq. (Uniform Deceptive Trade Practices Act)
- Neb. Rev. Stat. § 87-303.02 (Attorney General enforcement powers under UDTPA)
- Neb. Rev. Stat. § 87-303.10 (Four-year limitations period from purchase for UDTPA civil actions)
- 12 U.S.C. § 5481 et seq. (Consumer Financial Protection Act / Dodd-Frank)
- 12 U.S.C. § 5493(b)(3) (CFPB consumer response function)
- 15 U.S.C. § 1692 et seq. (Fair Debt Collection Practices Act)
- 15 U.S.C. § 1681 et seq. (Fair Credit Reporting Act)
- 15 U.S.C. § 1693 et seq. (Electronic Fund Transfer Act)
Consumer protection law gives buyers, borrowers, and renters rights against unfair, deceptive, or abusive business practices. Federal and state laws cover debt collection, credit reporting, product warranties, lemon cars, and more, and most of them have strict deadlines to preserve your rights. A well-drafted demand or complaint puts the business on notice, triggers their legal obligations, and often resolves the issue without a lawsuit.
Not legal advice
This template is provided for informational purposes. We recommend having an attorney review any legal document before signing, especially for high-value or complex matters.
Checked against the law it cites
The statutes this template relies on are listed under Legal authority.
Neb. Rev. Stat. § 59-1614 (checked September 6, 2026): "Any person who violates section 59-1602 shall pay a civil penalty of not more than two thousand dollars for each violation."
Neb. Rev. Stat. § 87-303.10 (checked September 6, 2026): "A civil action arising under the Uniform Deceptive Trade Practices Act may be brought only within four years from the date of the purchase of goods or services."
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