Oregon AG and CFPB Consumer Complaint Pack

OREGON AG AND CFPB COMPLAINT PACK

TABLE OF CONTENTS

1. Cover Letter — Oregon Department of Justice
2. Oregon DOJ Consumer Complaint Form Content
3. CFPB Complaint Form Content
4. Document Index
5. Parallel Filings Checklist
6. Oregon Practice Notes
7. Sources and References

1. COVER LETTER — OREGON DEPARTMENT OF JUSTICE

[CONSUMER FULL LEGAL NAME]

[STREET ADDRESS]

[CITY, OR ZIP]

[PHONE] | [EMAIL]

Date: [__/__/____]

Oregon Department of Justice

Consumer Protection Section

1162 Court Street NE

Salem, OR 97301-4096

Phone: 1-877-877-9392

Email: [email protected]

Re: Consumer Complaint Against [BUSINESS NAME] — Violations of ORS 646.605 et seq. (UTPA) and ORS 646.639 (UDCPA)

Dear Consumer Protection Section:

I am submitting this complaint against [BUSINESS NAME] for violations of the Oregon Unlawful Trade Practices Act, ORS 646.605 et seq., and [where applicable] the Oregon Unlawful Debt Collection Practices Act, ORS 646.639. The conduct caused me ascertainable loss of approximately $[________________________________], as detailed below and in the accompanying documentation.

I respectfully request that the Department:

1. Open an investigation under ORS 646.632;
2. Seek an Assurance of Voluntary Compliance under ORS 646.636 or pursue injunctive relief and civil penalties under ORS 646.642;
3. Refer the matter to the Department of Consumer and Business Services or the appropriate licensing board where applicable; and
4. Provide me with the name and contact information of the assigned investigator.

Thank you for your attention. I am available at the contact information above to provide additional information and exhibits.

Respectfully,

[________________________________]

[CONSUMER NAME]

Enclosures: Form (Section 2); chronology; supporting documents per Document Index (Section 4)

2. OREGON DOJ CONSUMER COMPLAINT FORM CONTENT

A. Consumer Information

B. Business Complained Of

C. Transaction

D. Description of Complaint (Narrative)

[NARRATIVE — chronological account, 250–750 words. Include dates, names of representatives, what was promised, what was delivered, what was misrepresented, and how the consumer's loss was caused.]

E. Alleged Violations (Check All That Apply)

☐ Misrepresentation as to source, sponsorship, approval, or certification (ORS 646.608(1)(b))

☐ Misrepresentation as to characteristics, uses, benefits (ORS 646.608(1)(e))

☐ Bait-and-switch advertising (ORS 646.608(1)(i))

☐ Failure to deliver as promised (ORS 646.608(1)(g))

☐ False or misleading representations about credit/debt (ORS 646.608(1)(s))

☐ Other unfair or deceptive conduct in trade or commerce (ORS 646.608(1)(u))

☐ Unlawful debt collection practice (ORS 646.639(2))

☐ Data-breach notice failure (ORS 646A.604)

☐ Other: [________________________________]

F. Resolution Sought

G. Prior Efforts to Resolve

H. Authorization

I authorize the Oregon Department of Justice to forward a copy of this complaint and any attachments to [BUSINESS NAME] and to any other agency it deems appropriate. The information provided is true and correct to the best of my knowledge.

[________________________________]

[CONSUMER NAME]

Date: [__/__/____]

3. CFPB COMPLAINT FORM CONTENT

A. Product or Service (Select One Path)

☐ Debt collection

☐ Credit reporting / credit repair / other personal consumer reports

☐ Mortgage

☐ Credit card or prepaid card

☐ Checking or savings account

☐ Money transfer, virtual currency, or money service

☐ Vehicle loan or lease

☐ Student loan

☐ Payday loan, title loan, or personal loan

B. Issue / Sub-Issue (Examples — Match to CFPB Drop-Down)

C. What Happened (Narrative)

[NARRATIVE — 1,000-character target. Mirror the chronology in Section 2.D but tightened.]

D. Desired Resolution

[Concise statement of the relief sought — refund, account closure, credit-report correction, cease and desist, etc.]

E. Personal Information

F. Company Information

G. Public Narrative Consent

☐ I consent to publication of my anonymized narrative in the CFPB Consumer Complaint Database.

H. Certification

I certify that this complaint is true and accurate to the best of my knowledge and that I am authorized to submit it.

[________________________________]

[CONSUMER NAME]

Date: [__/__/____]

4. DOCUMENT INDEX

Attach copies (do not send originals). Number each exhibit and reference in narratives.

5. PARALLEL FILINGS CHECKLIST

☐ Oregon DOJ Consumer Protection Section (online or 1-877-877-9392)

☐ CFPB at https://www.consumerfinance.gov/complaint/ (financial product)

☐ Federal Trade Commission at https://reportfraud.ftc.gov/ (general consumer fraud)

☐ Oregon Division of Financial Regulation (DFR) — for licensed lenders, mortgage, insurance — https://dfr.oregon.gov

☐ Oregon Construction Contractors Board (CCB) — https://www.oregon.gov/ccb (contractor disputes)

☐ Oregon Real Estate Agency — https://www.oregon.gov/rea

☐ Better Business Bureau Northwest + Pacific — https://www.bbb.org

☐ Internet Crime Complaint Center (IC3) — https://www.ic3.gov (online fraud)

☐ U.S. Postal Inspection Service — https://www.uspis.gov (mail fraud)

☐ Local police / county sheriff (criminal conduct under ORS 165.800 etc.)

☐ Oregon State Bar Lawyer Referral Service — https://www.osbar.org/public/ris/

6. OREGON PRACTICE NOTES

• AG cannot represent the individual. Oregon DOJ employees are statutorily barred from offering individual legal advice. The Department mediates and may bring its own action under ORS 646.632 / 646.642 (civil penalties up to $25,000 per willful violation), but a consumer who needs damages should pair the AG complaint with a private UTPA/UDCPA action.
• Public database. Both the CFPB and the Oregon DOJ publish complaint data (CFPB by company name and narrative; Oregon DOJ in a searchable database). A high complaint count is admissible at trial as a "pattern or practice" predicate, particularly under ORS 646.638(8) (elder enhancement).
• Elder enhancement. ORS 646.638(8) permits enhanced damages of up to $10,000 per violation when the victim is 65 or older. Flag age clearly on the form so the AG investigator codes it correctly.
• CID power. ORS 646.622 / 646.632 give the AG civil investigative demand authority over UTPA matters. Documents produced to the AG can later be discoverable in private litigation.
• Statutes of limitations are independent. Filing an AG/CFPB complaint does NOT toll the one-year UTPA SOL (ORS 646.638(6)) or the FDCPA's one-year SOL. Calendar both regulatory and judicial deadlines independently.
• Recordkeeping. Oregon is a one-party-consent recording state under ORS 165.540, so phone calls recorded by the consumer are generally admissible. Submit recordings as exhibits.
• Mediation. The Oregon DOJ frequently routes complaints to a mediated resolution before opening a formal investigation. A mediation outcome is not preclusive of a later civil action unless the consumer signs a release.
• Class actions. Oregon UTPA class actions under ORS 646.638(8) require "reckless or knowing" conduct (a slightly lower bar than the willfulness needed for individual statutory damages). Coordinate AG complaints with class counsel where multiple victims emerge.

7. SOURCES AND REFERENCES

• Oregon DOJ Consumer Protection — https://www.doj.state.or.us/consumer-protection/
• Oregon DOJ Online Consumer Complaint — https://justice.oregon.gov/consumercomplaints/
• Oregon DOJ Contact (1162 Court Street NE, Salem, OR 97301; 1-877-877-9392) — https://www.doj.state.or.us/consumer-protection/contact-us/
• ORS Chapter 646 — https://www.oregonlegislature.gov/bills_laws/ors/ors646.html
• ORS 646.632 (AG investigative authority) — https://oregon.public.law/statutes/ors_646.632
• ORS 646.636 (Assurance of voluntary compliance) — https://oregon.public.law/statutes/ors_646.636
• ORS 646.638 (Private right of action) — https://oregon.public.law/statutes/ors_646.638
• ORS 646.639 / 646.641 (UDCPA) — https://oregon.public.law/statutes/ors_646.639
• CFPB Submit a Complaint — https://www.consumerfinance.gov/complaint/
• CFPB Consumer Complaint Database — https://www.consumerfinance.gov/data-research/consumer-complaints/
• FTC ReportFraud.ftc.gov — https://reportfraud.ftc.gov/
• Oregon Division of Financial Regulation — https://dfr.oregon.gov

Disclaimer: This template is provided for informational purposes only and does not constitute legal advice. An attorney licensed in Oregon must review and customize this document before use. Laws, citations, and court rules change frequently; verify all authorities before use.