CFPB · Single-product concentration
Machol & Johannes, LLC
226 CFPB complaints · 94.2% in "Debt collection" · top issue Attempts to collect debt not owed.
Machol & Johannes, LLC: 94.2% of 226 CFPB complaints sit in "Debt collection". Timely 92% · relief 1.3%. Allegations, not findings.
- Single-product concentration
- -85.7% filings 2013 to 2023
CFPB relief outcome brief
CCDB company machol-johannes-llc
1.3% relief · 92% timely · 226 filings · Debt collection
Same-product relief peers
Nearest relief peer: Amsher Collection Services, Inc. (1.3% relief)
Machol & Johannes, LLC closes 1.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Machol & Johannes, LLC's 226 filings include narrative text
44.7% 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.
Machol & Johannes, LLC complaint mix by product
- Debt collection 213 94.2% – 1% relief
- Credit card 4 1.8% – 0% relief
- Student loan 4 1.8% – 0% relief
- Consumer Loan 2 0.9% – 50% relief
- Bank account 1 0.4% – 0% relief
- Credit reporting, 1 0.4% – 0% relief
- Vehicle loan 1 0.4% – 0% relief
How Machol & Johannes, LLC's 226 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 213 |
| Credit card | 4 |
| Student loan | 4 |
| Consumer Loan | 2 |
| Bank account or service | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
| Vehicle loan or lease | 1 |
Concentrated filing states for Machol & Johannes, LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- CO
- 42.9% of this company's filings
Machol & Johannes, LLC falling annual filings
Annual filing volume from the CFPB public database
- 2023
- 1
- -85.7% vs 2013
Top States
| State | Complaints |
|---|---|
| CO | 97 |
| WA | 55 |
| NM | 25 |
| OK | 18 |
| OR | 5 |
| UT | 5 |
| TX | 3 |
| CA | 3 |
| ID | 2 |
| WY | 1 |
| MT | 1 |
| TN | 1 |
| RI | 1 |
| NE | 1 |
| MO | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 36 |
| Took or threatened to take negative or legal action | 34 |
| Disclosure verification of debt | 28 |
| False statements or representation | 27 |
| Taking/threatening an illegal action | 25 |
| Written notification about debt | 23 |
| Cont'd attempts collect debt not owed | 21 |
| Communication tactics | 9 |
| Improper contact or sharing of info | 7 |
| Threatened to contact someone or share information improperly | 3 |
| Other | 2 |
| Can't repay my loan | 2 |
| Taking out the loan or lease | 1 |
| Credit card protection / Debt protection | 1 |
| Managing the loan or lease | 1 |
| Dealing with my lender or servicer | 1 |
| Overlimit fee | 1 |
| Problems caused by my funds being low | 1 |
| Incorrect information on your report | 1 |
| Struggling to pay your loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 7 | 100% |
| 2014 | 19 | 94.7% |
| 2015 | 34 | 82.4% |
| 2016 | 40 | 100% |
| 2017 | 30 | 96.7% |
| 2018 | 38 | 97.4% |
| 2019 | 23 | 87% |
| 2020 | 20 | 80% |
| 2021 | 13 | 84.6% |
| 2022 | 1 | 100% |
| 2023 | 1 | 100% |
Source: CFPB Consumer Complaint Database
Machol & Johannes, LLC filings cluster in one product
Machol & Johannes, LLC's 226 logged complaints stay concentrated: only 15 states show a filing. 44.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2023-05-06.
Machol & Johannes, LLC answers 92% of complaints inside the CFPB's tracked window and closes 96.9% with a written explanation. 1.3% 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 Machol & Johannes, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Machol & Johannes, 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: 226.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 92%.
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 Machol & Johannes, LLC (92% timely; 1.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration