Nevada Attorney General and CFPB Complaint Pack

NEVADA AG / CFPB DUAL CONSUMER COMPLAINT PACK

TABLE OF CONTENTS

1. Document A — Nevada Attorney General Bureau of Consumer Protection Complaint
2. Document B — CFPB Complaint Narrative
3. Exhibit Index
4. Mailing and Filing Checklist
5. Routing Reference Table
6. Nevada Practice Notes
7. Sources and References

1. DOCUMENT A — NEVADA ATTORNEY GENERAL BUREAU OF CONSUMER PROTECTION COMPLAINT

Office of the Nevada Attorney General

Bureau of Consumer Protection

100 N. Carson Street

Carson City, NV 89701

Telephone: (775) 684-1100

Current complaint instructions and formal filing link: https://ag.nv.gov/Complaints/CSU_Complaints___FAQ/

Date: [__/__/____]

A. Complainant Information

B. Respondent Information

C. Transaction Details

D. Statement of Facts

1. On [__/__/____], [describe how the consumer first encountered the Respondent — e.g., received a cold call, saw an online ad, responded to a mailer, walked into the dealership].

2. [Describe what the Respondent represented, in writing or orally, that induced the consumer to act. Quote material misrepresentations directly. Identify the speaker by name or title. Cite the corresponding exhibit (e.g., "See Exhibit 1, p. 2").]

3. [Describe the consumer's reliance and the resulting transaction — what was paid, what was promised, and what was actually delivered.]

4. [Describe the discovery of the misrepresentation, defect, or unauthorized charge.]

5. [Describe the consumer's good-faith efforts to resolve the dispute directly with the Respondent — calls, letters, emails — and the Respondent's response or refusal. Identify dates and names.]

6. [Describe the harm — actual out-of-pocket loss, time, credit-report damage, emotional distress, or other consequences.]

7. [If applicable] The Respondent [is / is not] licensed in Nevada as a [collection agency under NRS Ch. 649 / mortgage broker under NRS Ch. 645B / contractor under NRS Ch. 624 / etc.]. A search of the [NV Financial Institutions Division / NV Secretary of State / NV State Contractors Board] licensee database performed on [__/__/____] showed [result].

E. Identification of Statutory Violations

The conduct described above appears to violate, at a minimum:

• ☐ NRS 598.0915 (deceptive trade practices — false representations as to characteristics, source, sponsorship, or benefits of goods/services);
• ☐ NRS 598.0917 (bait advertising; false advertising);
• ☐ NRS 598.092 (knowing misrepresentation of legal rights, obligations, or remedies);
• ☐ NRS 598.0923 (knowingly conducting business without required state licenses; violating state or federal statutes regarding sale or lease of goods/services);
• ☐ NRS 598.0973 (deceptive trade practices against elderly or disabled persons);
• ☐ NRS Chapter 649 (Collection Agency Act — unlicensed activity, prohibited collection practices under NRS 649.375);
• ☐ NRS Chapter 603A (failure to provide required data-breach notification or reasonable security);
• ☐ Federal FDCPA (15 U.S.C. §§ 1692–1692p);
• ☐ Federal CFPA / UDAAP (12 U.S.C. § 5531);
• ☐ Other: [________________].

F. Relief Requested

I respectfully request that the Bureau of Consumer Protection:

• A. Investigate the Respondent's business practices;
• B. Pursue available enforcement remedies under NRS 598.0963 and NRS 598.0999, including a civil penalty of up to $15,000 for each willful violation; if applicable, seek the separate NRS 598.0973 penalty of up to $25,000 for a practice directed toward an elderly person or $15,000 for one directed toward a person with a disability;
• C. Seek restitution to me and similarly situated consumers under NRS 598.0993 and NRS 598.0999;
• D. Refer the matter to criminal prosecutors if the conduct constitutes a violation of NRS Chapter 205 (e.g., theft, fraud, identity theft); and
• E. Refer to the appropriate licensing authority (Financial Institutions Division, Real Estate Division, State Contractors Board, etc.) for potential license revocation.

G. Supporting Documents Attached

See the Exhibit Index below.

H. Authorization and Verification

I authorize the Bureau of Consumer Protection to share this complaint and supporting documents with the Respondent and with any other governmental agency necessary for investigation. I understand that this filing does not create an attorney-client relationship with the Office of the Attorney General, that the Bureau cannot represent me individually in private litigation, and that any private claim I may have remains subject to applicable statutes of limitations.

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

[________________________________]

[CONSUMER SIGNATURE]

[CONSUMER PRINTED NAME]

Date: [__/__/____]

2. DOCUMENT B — CFPB COMPLAINT NARRATIVE

Consumer Financial Protection Bureau

P.O. Box 27170

Washington, DC 20038

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

Telephone: (855) 411-CFPB (2372)

A. Product / Sub-Product Selection (Choose One)

Choose only a product or service currently accepted on the CFPB complaint page:

• ☐ Checking or savings account
• ☐ Credit card
• ☐ Credit report or other personal consumer report
• ☐ Debt collection
• ☐ Debt or credit management
• ☐ Money transfer, virtual currency, or money service
• ☐ Mortgage
• ☐ Payday loan
• ☐ Personal loan, including installment, advance, or title loan
• ☐ Prepaid card
• ☐ Student loan
• ☐ Vehicle loan or lease

For inaccurate or incomplete information on a consumer report, complete the direct dispute with the credit or consumer reporting agency required by the current CFPB instructions before submitting the CFPB complaint. If the product or service is not on the current list, use the agency locator linked from the CFPB page instead of forcing it into this form.

B. Issue / Sub-Issue (Choose One Per Field)

• Issue: [e.g., "Attempts to collect debt not owed" / "Took or threatened to take negative or legal action" / "Communication tactics" / "False statements or representation"]
• Sub-Issue: [e.g., "Debt is not yours" / "Threatened to sue you for very old debt" / "Frequent or repeated calls"]

C. Date of Incident

[__/__/____]

D. Did You Already Try to Resolve With the Company?

• ☐ Yes (describe efforts in narrative)
• ☐ No (explain why)

E. Narrative

[Begin narrative here. Use plain language. Lead with one sentence summarizing the wrong. Then chronological facts. Use last-four-digit redactions for accounts and SSN. Identify the company by full legal name. Quote the company's statements directly when possible. Conclude with the specific resolution requested.]

Example skeleton (REPLACE with case-specific facts):

On [__/__/____], [Company Name] began calling me to collect an alleged debt of $[____] that I do not owe. I have never had an account with the original creditor, [Original Creditor], and the account number ending in [xxxx] does not match any account I have ever opened.

On [__/__/____], I sent [Company Name] a written debt-validation request by certified mail (USPS tracking [________________]) pursuant to 15 U.S.C. § 1692g(b). [Company Name] received the letter on [__/__/____] but never sent the requested validation. Despite the unanswered dispute, [Company Name] continued to call me on [date(s)] and reported the alleged debt to [CRA(s)] without noting that it is disputed.

On [__/__/____], [Company Name]'s representative, "[NAME or AGENT ID]," told me, "[direct quote]." This statement was false because [explain]**.

I am asking the CFPB to require [Company Name] to: (i) cease all collection on the alleged debt; (ii) delete the related tradeline from all three nationwide credit bureaus; (iii) provide written confirmation of (i) and (ii); and (iv) pay reasonable compensation for time, expense, and reputational harm.

F. Public Disclosure Consent

• ☐ I consent to publication of my narrative in the CFPB Consumer Complaint Database (with personal identifiers scrubbed).
• ☐ I do NOT consent (the structured data fields will still be published anonymously).

G. Authorization

Submit through the current CFPB portal or its current official assisted-submission channel and complete the affirmation the agency actually presents. Do not add a separate 28 U.S.C. § 1746 declaration unless the current official submission instrument requires it.

Before submitting, confirm that the narrative is complete and that supporting documents total no more than 50 pages. The CFPB states that a consumer generally cannot submit a second complaint about the same problem.

3. EXHIBIT INDEX

4. MAILING AND FILING CHECKLIST

☐ Formal, signed Nevada AG complaint submitted through the current instructions at https://ag.nv.gov/Complaints/CSU_Complaints___FAQ/; acknowledgement email retained.

☐ Online complaint filed with CFPB at https://www.consumerfinance.gov/complaint/.

☐ Complaint reference numbers recorded for both filings.

☐ Mail copies sent by U.S. Certified Mail, Return Receipt Requested if filing by mail; tracking numbers logged.

☐ Copies sent (cc) to:

• ☐ Nevada Financial Institutions Division (debt collection / lender complaints) — https://fid.nv.gov/
• ☐ Nevada Secretary of State (registered agent service / business filings) — https://www.nvsos.gov/
• ☐ Nevada State Contractors Board (contractor complaints) — https://www.nscb.state.nv.us/
• ☐ FTC at ReportFraud.ftc.gov
• ☐ Consumer's private attorney
• ☐ File copy

☐ All Nevada and federal SOLs calendared independently of the regulatory complaint.

☐ Consumer instructed: regulatory complaints do NOT toll private claim deadlines; private litigation must be initiated separately.

5. ROUTING REFERENCE TABLE

6. NEVADA PRACTICE NOTES

• No tolling. Filing with the AG or CFPB does not toll any Nevada or federal statute of limitations applicable to private claims. Continue to calendar SOLs independently and consider preserving claims by filing suit if a deadline approaches.
• AG enforcement, not representation. The Nevada AG's Bureau of Consumer Protection investigates patterns of conduct and brings enforcement actions in the State's name. The Bureau does not provide individual legal representation. A consumer's parallel private action under NRS 41.600 remains available regardless of AG action.
• Civil penalties. NRS 598.0999(2) authorizes a civil penalty of up to $15,000 for each willful deceptive-trade-practice violation in a government action. NRS 598.0973 separately authorizes a penalty of up to $25,000 for a practice directed toward an elderly person or $15,000 for one directed toward a person with a disability.
• Restitution. The AG may seek restitution under NRS 598.0993 and NRS 598.0999 in addition to civil penalties and injunctive relief.
• CFPB jurisdiction. The CFPB regulates "covered persons" offering consumer financial products and services under 12 U.S.C. § 5481. Non-financial products (e.g., contractor disputes, retail goods) are outside CFPB jurisdiction; route those to the FTC, the NV AG, or the appropriate licensing board.
• CFPB response timing. Companies generally respond in 15 days; in some cases a company marks the response in progress and provides a final response in 60 days. Complaint data is published without directly identifying information, and the consumer's narrative is published only with consent after personal-information review.
• Public disclosure. The CFPB publishes a redacted version of complaint narratives in its public database. Counsel should review the narrative for material that could be used by the company in defense of a private suit.
• Northern vs. Southern NV hotlines. The Bureau of Consumer Protection operates two consumer hotlines: (775) 684-1180 (Carson City / Reno / Northern NV) and (702) 486-3132 (Las Vegas / Southern NV).
• In-person filing. The Carson City Office is at 100 N. Carson Street, Carson City, NV 89701. The Las Vegas Office is at 555 E. Washington Avenue, Suite 3900, Las Vegas, NV 89101; (702) 486-3420.
• Document hygiene. Send copies, not originals. Keep a master file with the complete packet, all exhibits, mailing receipts, and any agency acknowledgments. Re-sending originals to multiple agencies risks loss of irreplaceable evidence.

7. SOURCES AND REFERENCES

• Nevada Attorney General — Bureau of Consumer Protection — https://ag.nv.gov/About/Consumer_Protection/Bureau_of_Consumer_Protection/
• Nevada AG — Complaints and Constituent FAQ — https://ag.nv.gov/Complaints/CSU_Complaints___FAQ/
• Nevada AG — Contact — https://ag.nv.gov/Contact/
• NRS Chapter 598 (Deceptive Trade Practices) — https://www.leg.state.nv.us/NRS/NRS-598.html
• NRS 41.600 (Actions by victims of fraud) — https://law.justia.com/codes/nevada/chapter-41/statute-41-600/
• NRS Chapter 649 (Collection Agencies) — https://www.leg.state.nv.us/NRS/NRS-649.html
• NRS Chapter 603A (Security and Privacy of Personal Information) — https://www.leg.state.nv.us/NRS/NRS-603A.html
• Nevada Financial Institutions Division — https://fid.nv.gov/
• Nevada State Contractors Board — https://www.nscb.state.nv.us/
• Consumer Financial Protection Bureau — Submit a Complaint — https://www.consumerfinance.gov/complaint/
• CFPB — Consumer Complaint Database — https://www.consumerfinance.gov/data-research/consumer-complaints/
• 12 U.S.C. § 5531 (UDAAP) — https://www.law.cornell.edu/uscode/text/12/5531
• 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. Filing a complaint with the Nevada Attorney General or the CFPB does not create an attorney-client relationship and does not toll any statute of limitations applicable to private claims. Consult a licensed Nevada attorney before relying on this template if you intend to pursue civil litigation. Laws, citations, agency addresses, and procedures change frequently; verify all authorities before use.