CFPB · Single-product concentration
Carmichael & Frost LLC
53 CFPB complaints · 100% in "Debt collection" · top issue Took or threatened to take negative or legal action.
Carmichael & Frost LLC: 100% of 53 CFPB complaints sit in "Debt collection". Timely 98.1% · relief 0%. Allegations, not findings.
- Single-product concentration
- +500% filings 2023 to 2026
CFPB relief outcome brief
CCDB company carmichael-frost-llc
0% relief · 98.1% timely · 53 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Carmichael & Frost LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Carmichael & Frost LLC's 53 filings include narrative text
43.4% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Carmichael & Frost LLC complaint mix by product
- Debt collection 53 100.0% – 0% relief
How Carmichael & Frost LLC's 53 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 53 |
Where Carmichael & Frost LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 17% of this company's filings
Carmichael & Frost LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 6
- +500% vs 2023
Top States
| State | Complaints |
|---|---|
| TX | 9 |
| FL | 5 |
| CA | 5 |
| GA | 5 |
| AZ | 3 |
| NM | 3 |
| NY | 3 |
| NC | 2 |
| WA | 2 |
| NJ | 2 |
| MI | 2 |
| SC | 1 |
| MN | 1 |
| KY | 1 |
| MO | 1 |
| PA | 1 |
| OK | 1 |
| CO | 1 |
| WI | 1 |
| OH | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 24 |
| Threatened to contact someone or share information improperly | 12 |
| Electronic communications | 8 |
| Attempts to collect debt not owed | 5 |
| Communication tactics | 3 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2023 | 1 | 100% |
| 2024 | 18 | 100% |
| 2025 | 28 | 100% |
| 2026 | 6 | 83.3% |
Source: CFPB Consumer Complaint Database
Carmichael & Frost LLC filings cluster in one product
Carmichael & Frost LLC's 53 logged complaints stay concentrated: only 23 states show a filing. 43.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2023 through 2026-05-22.
Carmichael & Frost LLC answers 98.1% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Took or threatened to take negative or legal action."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Carmichael & Frost LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Carmichael & Frost LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 53.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.1%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Carmichael & Frost LLC (98.1% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration