CFPB · Single-product concentration
J&L Collection Services
29 CFPB complaints · 93.1% in "Debt collection" · top issue Cont'd attempts collect debt not owed.
J&L Collection Services: 93.1% of 29 CFPB complaints sit in "Debt collection". Timely 96.6% · relief 3.4%. Allegations, not findings.
- Single-product concentration
- -50% filings 2015 to 2018
CFPB relief outcome brief
CCDB company j-l-collection-services
3.4% relief · 96.6% timely · 29 filings · Debt collection
Same-product relief peers
Nearest relief peer: Regional Management Corporation (3.4% relief)
J&L Collection Services closes 3.4% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of J&L Collection Services's 29 filings include narrative text
55.2% 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.
J&L Collection Services complaint mix by product
- Debt collection 27 93.1% – 4% relief
- Credit reporting, 2 6.9% – 0% relief
How J&L Collection Services's 29 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 27 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
Concentrated filing states for J&L Collection Services
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 86.2% of this company's filings
J&L Collection Services falling annual filings
Annual filing volume from the CFPB public database
- 2018
- 5
- -50% vs 2015
Top States
| State | Complaints |
|---|---|
| CA | 25 |
| TX | 1 |
| NV | 1 |
| OR | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Cont'd attempts collect debt not owed | 5 |
| Attempts to collect debt not owed | 5 |
| Communication tactics | 4 |
| Written notification about debt | 4 |
| Improper contact or sharing of info | 3 |
| Threatened to contact someone or share information improperly | 3 |
| Disclosure verification of debt | 2 |
| Incorrect information on your report | 2 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 10 | 100% |
| 2016 | 2 | 100% |
| 2017 | 12 | 91.7% |
| 2018 | 5 | 100% |
Source: CFPB Consumer Complaint Database
J&L Collection Services filings cluster in one product
J&L Collection Services's 29 logged complaints stay concentrated: only 4 states show a filing. 55.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2018-07-03.
J&L Collection Services answers 96.6% of complaints inside the CFPB's tracked window and closes 93.1% with a written explanation. 3.4% 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 "Cont'd attempts 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 J&L Collection Services.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for J&L Collection Services: 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: 29.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 96.6%.
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 J&L Collection Services (96.6% timely; 3.4% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration