2026 data Public-data reference. official source

Lockhart, Morris & Montgomery Inc.

1.9K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

1.9K consumer complaints filed with the CFPB

This profile shows Lockhart, Morris & Montgomery Inc.'s complaint history from CFPB public records. 1,941 consumers have filed complaints since 2013. The company has a 98% timely response rate and has provided relief in 0.1% of cases.

1.9K
Total Complaints
98%
Timely Response
0.2%
Disputed
0.1%
Relief Provided
49
States Active
2013
Since

Total complaints

1.9K

Filed since 2013

Timely response

98%

CFPB-tracked response window

Relief rate

0.1%

Closed with monetary or non-monetary relief

Timely response rate 98.0%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 0.1%
Industry median

Share closed with monetary or non-monetary relief.

Lockhart, Morris & Montgomery Inc. complaint mix by product

Total complaints: 1.9K

Lockhart, Morris & Montgomery Inc. complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 1.9K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Debt collection: 1,487 complaints (76.7%), resolution 0.1% Debt collection 76.7% Credit reporting: 345 complaints (17.8%), resolution 0.0% Credit reporting 17.8% Credit reporting,: 90 complaints (4.6%), resolution 0.0% Student loan: 9 complaints (0.5%), resolution 0.0% Debt or: 5 complaints (0.3%), resolution 0.0% Credit card: 2 complaints (0.1%), resolution 0.0% Consumer Loan: 1 complaints (0.1%), resolution 0.0%
  • Debt collection 1K 76.7% 0% relief
  • Credit reporting 345 17.8% 0% relief
  • Credit reporting, 90 4.6% 0% relief
  • Student loan 9 0.5% 0% relief
  • Debt or 5 0.3% 0% relief
  • Credit card 2 0.1% 0% relief
  • Consumer Loan 1 0.1% 0% relief

How Lockhart, Morris & Montgomery Inc.'s 1.9K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Debt collection 1.5K
Credit reporting or other personal consumer reports 345
Credit reporting, credit repair services, or other personal consumer reports 90
Student loan 9
Debt or credit management 5
Credit card 2
Consumer Loan 1
Payday loan, title loan, personal loan, or advance loan 1
Payday loan, title loan, or personal loan 1

Top States

State Complaints
FL 421
TX 395
GA 201
MI 93
OH 63
NC 55
PA 52
SC 51
CA 50
LA 50
AL 48
WI 44
IL 44
NY 36
TN 35
VA 31
MD 31
NJ 30
AZ 26
IN 25

Top Issues

Issue Complaints
Attempts to collect debt not owed 643
Written notification about debt 328
Took or threatened to take negative or legal action 242
Incorrect information on your report 201
False statements or representation 200
Improper use of your report 119
Problem with a company's investigation into an existing problem 85
Communication tactics 43
Problem with a credit reporting company's investigation into an existing problem 28
Threatened to contact someone or share information improperly 12
Electronic communications 7
Cont'd attempts collect debt not owed 6
Disclosure verification of debt 4
Charged upfront or unexpected fees 3
Credit monitoring or identity theft protection services 3
Getting a loan 3
Dealing with my lender or servicer 2
Improper contact or sharing of info 2
Taking out the loan or lease 1
Charged fees or interest you didn't expect 1

Yearly Trend

Year Complaints Timely
2013 1 100%
2014 5 100%
2015 1 100%
2016 7 100%
2017 12 100%
2018 8 100%
2019 32 96.9%
2020 46 93.5%
2021 77 98.7%
2022 101 93.1%
2023 215 96.3%
2024 403 96%
2025 689 99.6%
2026 344 100%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About Lockhart, Morris & Montgomery Inc.

Lockhart, Morris & Montgomery Inc. has accumulated 1,941 consumer complaints in the CFPB public database, with filings active across 49 U.S. states. Of those submissions, 525 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2013, and the most recent logged activity is 2026-04-07, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, Lockhart, Morris & Montgomery Inc. reports a 98% timely-response rate and has closed 95.5% of cases with a written explanation to the consumer. 0.1% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0.2% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Debt collection", and the single most common underlying issue is "Attempts to collect debt not owed".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating Lockhart, Morris & Montgomery Inc.: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.

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.

Frequently Asked Questions

How many CFPB complaints does Lockhart, Morris & Montgomery Inc. have?

Lockhart, Morris & Montgomery Inc. has received 1,941 consumer complaints filed with the Consumer Financial Protection Bureau.

Does Lockhart, Morris & Montgomery Inc. respond to complaints on time?

Lockhart, Morris & Montgomery Inc. has a 98% timely response rate to CFPB complaints.

What is the most common complaint about Lockhart, Morris & Montgomery Inc.?

The most common issue reported against Lockhart, Morris & Montgomery Inc. is "Attempts to collect debt not owed" in the "Debt collection" product category.

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