CFPB · Single-product concentration
Malcolm S. Gerald and Associates, Inc.
73 CFPB complaints · 97.3% in "Debt collection" · top issue Cont'd attempts collect debt not owed.
Malcolm S. Gerald and Associates, Inc.: 97.3% of 73 CFPB complaints sit in "Debt collection". Timely 68.5% · relief 5.5%. Allegations, not findings.
- Single-product concentration
- -85.7% filings 2013 to 2020
CFPB relief outcome brief
CCDB company malcolm-s-gerald-and-associates-inc
5.5% relief · 68.5% timely · 73 filings · Debt collection
Same-product relief peers
Nearest relief peer: Aqua Finance, Inc. (5.6% relief)
Malcolm S. Gerald and Associates, Inc. closes 5.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 73 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.
Malcolm S. Gerald and Associates, Inc. complaint mix by product
- Debt collection 71 97.3% – 6% relief
- Student loan 1 1.4% – 0% relief
- Credit card 1 1.4% – 0% relief
How Malcolm S. Gerald and Associates, Inc.'s 73 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 71 |
| Student loan | 1 |
| Credit card | 1 |
Where Malcolm S. Gerald and Associates, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- IL
- 31.5% of this company's filings
Malcolm S. Gerald and Associates, Inc. falling annual filings
Annual filing volume from the CFPB public database
- 2020
- 1
- -85.7% vs 2013
Top States
| State | Complaints |
|---|---|
| IL | 23 |
| CA | 7 |
| TX | 4 |
| MO | 4 |
| PA | 3 |
| AZ | 3 |
| VA | 3 |
| OH | 2 |
| NY | 2 |
| MI | 2 |
| GA | 2 |
| IN | 2 |
| MA | 2 |
| FL | 2 |
| MD | 2 |
| AR | 1 |
| VT | 1 |
| DE | 1 |
| AL | 1 |
| ME | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Cont'd attempts collect debt not owed | 28 |
| Communication tactics | 23 |
| Disclosure verification of debt | 8 |
| Improper contact or sharing of info | 4 |
| False statements or representation | 3 |
| Attempts to collect debt not owed | 3 |
| Written notification about debt | 2 |
| Can't repay my loan | 1 |
| Sale of account | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 7 | 85.7% |
| 2014 | 21 | 61.9% |
| 2015 | 20 | 75% |
| 2016 | 14 | 78.6% |
| 2017 | 4 | 75% |
| 2018 | 4 | 0% |
| 2019 | 2 | 50% |
| 2020 | 1 | 100% |
Source: CFPB Consumer Complaint Database
Malcolm S. Gerald and Associates, Inc. filings cluster in one product
Malcolm S. Gerald and Associates, Inc.'s 73 logged complaints stay concentrated: only 25 states show a filing. Only 32.9% 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 2020-09-28.
Malcolm S. Gerald and Associates, Inc. answers 68.5% of complaints inside the CFPB's tracked window and closes 93.2% with a written explanation. 5.5% 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 Malcolm S. Gerald and Associates, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Malcolm S. Gerald and Associates, 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: 73.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 68.5%.
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 Malcolm S. Gerald and Associates, Inc. (68.5% timely; 5.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration