CFPB · Single-product concentration
Herbert P. Sears Co., Inc.
494 CFPB complaints · 79.8% in "Debt collection" · top issue Attempts to collect debt not owed.
Herbert P. Sears Co., Inc.: 79.8% of 494 CFPB complaints sit in "Debt collection". Timely 99.8% · relief 3%. Allegations, not findings.
- Single-product concentration
- +928.6% filings 2013 to 2026
CFPB relief outcome brief
CCDB company herbert-p-sears-co-inc
3% relief · 99.8% timely · 494 filings · Debt collection
Same-product relief peers
Nearest relief peer: Financial Corporation of America (3% relief)
Herbert P. Sears Co., Inc. closes 3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Herbert P. Sears Co., Inc. scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (14/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
14 / 100 percentile-benchmarked
3% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
99.8% of complaints answered inside the CFPB 15-day window
Closed with explanation
93 / 100 percentile-benchmarked
96.4% of complaints closed with an explanation to the consumer
How 494 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Herbert P. Sears Co., Inc. complaint mix by product
- Debt collection 394 79.9% – 4% relief
- Credit reporting 57 11.6% – 0% relief
- Credit reporting, 37 7.5% – 0% relief
- Student loan 2 0.4% – 0% relief
- Debt or 1 0.2% – 0% relief
- Payday loan, 1 0.2% – 0% relief
- Payday loan, 1 0.2% – 0% relief
How Herbert P. Sears Co., Inc.'s 494 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 394 |
| Credit reporting or other personal consumer reports | 57 |
| Credit reporting, credit repair services, or other personal consumer reports | 37 |
| Student loan | 2 |
| Debt or credit management | 1 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Payday loan, title loan, or personal loan | 1 |
| Checking or savings account | 1 |
Concentrated filing states for Herbert P. Sears Co., Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 49.6% of this company's filings
Herbert P. Sears Co., Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 72
- +928.6% vs 2013
Top States
| State | Complaints |
|---|---|
| CA | 245 |
| TX | 95 |
| FL | 38 |
| AZ | 33 |
| GA | 20 |
| NV | 14 |
| NY | 7 |
| WA | 5 |
| NC | 5 |
| MA | 3 |
| MD | 3 |
| LA | 3 |
| AL | 2 |
| UT | 2 |
| IL | 2 |
| OK | 1 |
| MO | 1 |
| NJ | 1 |
| OH | 1 |
| WY | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 149 |
| Written notification about debt | 60 |
| Took or threatened to take negative or legal action | 53 |
| False statements or representation | 46 |
| Incorrect information on your report | 38 |
| Cont'd attempts collect debt not owed | 36 |
| Improper use of your report | 33 |
| Communication tactics | 28 |
| Problem with a credit reporting company's investigation into an existing problem | 13 |
| Disclosure verification of debt | 13 |
| Problem with a company's investigation into an existing problem | 11 |
| Improper contact or sharing of info | 4 |
| Threatened to contact someone or share information improperly | 3 |
| Charged fees or interest you didn't expect | 2 |
| Confusing or missing disclosures | 1 |
| Issue where my lender is my school | 1 |
| Credit monitoring or identity theft protection services | 1 |
| Electronic communications | 1 |
| Taking/threatening an illegal action | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 7 | 100% |
| 2014 | 14 | 100% |
| 2015 | 24 | 95.8% |
| 2016 | 20 | 100% |
| 2017 | 17 | 100% |
| 2018 | 27 | 100% |
| 2019 | 20 | 100% |
| 2020 | 23 | 100% |
| 2021 | 46 | 100% |
| 2022 | 25 | 100% |
| 2023 | 32 | 100% |
| 2024 | 75 | 100% |
| 2025 | 92 | 100% |
| 2026 | 72 | 100% |
Source: CFPB Consumer Complaint Database
Herbert P. Sears Co., Inc. filings cluster in one product
Herbert P. Sears Co., Inc.'s 494 logged complaints stay concentrated: only 30 states show a filing. Only 33% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-06-25.
Herbert P. Sears Co., Inc. answers 99.8% of complaints inside the CFPB's tracked window and closes 96.4% with a written explanation. 3% 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 "Attempts to collect debt not owed."
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 Herbert P. Sears Co., Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Herbert P. Sears Co., Inc.: 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: 494.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.8%.
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 Herbert P. Sears Co., Inc. (99.8% timely; 3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration