CFPB · Single-product concentration
Messerli & Kramer P.A.
389 CFPB complaints · 95.6% in "Debt collection" · top issue Took or threatened to take negative or legal action.
Messerli & Kramer P.A.: 95.6% of 389 CFPB complaints sit in "Debt collection". Timely 99.5% · relief 2.1%. Allegations, not findings.
- Single-product concentration
- +700% filings 2013 to 2026
CFPB relief outcome brief
CCDB company messerli-kramer-p-a
2.1% relief · 99.5% timely · 389 filings · Debt collection
Same-product relief peers
Nearest relief peer: R & B Corporation of Virginia (2.1% relief)
Messerli & Kramer P.A. closes 2.1% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Messerli & Kramer P.A.'s 389 filings include narrative text
49.4% 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.
Messerli & Kramer P.A. complaint mix by product
- Debt collection 372 95.9% – 2% relief
- Credit reporting, 6 1.5% – 0% relief
- Credit card 4 1.0% – 0% relief
- Credit reporting 3 0.8% – 0% relief
- Vehicle loan 1 0.3% – 0% relief
- Payday loan, 1 0.3% – 0% relief
- Mortgage 1 0.3% – 0% relief
How Messerli & Kramer P.A.'s 389 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 372 |
| Credit reporting, credit repair services, or other personal consumer reports | 6 |
| Credit card | 4 |
| Credit reporting or other personal consumer reports | 3 |
| Vehicle loan or lease | 1 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Mortgage | 1 |
| Credit card or prepaid card | 1 |
Concentrated filing states for Messerli & Kramer P.A.
Top states by attributed CFPB complaint volume for this company
- Leading state
- MN
- 57.1% of this company's filings
Messerli & Kramer P.A. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 32
- +700% vs 2013
Top States
| State | Complaints |
|---|---|
| MN | 222 |
| WI | 61 |
| ND | 32 |
| NE | 21 |
| SD | 18 |
| OH | 9 |
| IA | 7 |
| MT | 5 |
| TX | 3 |
| NY | 2 |
| GA | 2 |
| PA | 1 |
| IL | 1 |
| NV | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 94 |
| Attempts to collect debt not owed | 68 |
| False statements or representation | 54 |
| Written notification about debt | 47 |
| Communication tactics | 29 |
| Taking/threatening an illegal action | 27 |
| Cont'd attempts collect debt not owed | 18 |
| Threatened to contact someone or share information improperly | 13 |
| Disclosure verification of debt | 13 |
| Improper contact or sharing of info | 9 |
| Improper use of your report | 3 |
| Incorrect information on your report | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Other features, terms, or problems | 1 |
| Problem with a purchase shown on your statement | 1 |
| Repossession | 1 |
| Credit monitoring or identity theft protection services | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Struggling to pay your loan | 1 |
| Loan servicing, payments, escrow account | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 4 | 100% |
| 2014 | 20 | 100% |
| 2015 | 36 | 94.4% |
| 2016 | 24 | 100% |
| 2017 | 25 | 100% |
| 2018 | 23 | 100% |
| 2019 | 21 | 100% |
| 2020 | 22 | 100% |
| 2021 | 21 | 100% |
| 2022 | 27 | 100% |
| 2023 | 22 | 100% |
| 2024 | 49 | 100% |
| 2025 | 63 | 100% |
| 2026 | 32 | 100% |
Source: CFPB Consumer Complaint Database
Messerli & Kramer P.A. filings cluster in one product
Messerli & Kramer P.A.'s 389 logged complaints stay concentrated: only 14 states show a filing. 49.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-06-09.
Messerli & Kramer P.A. answers 99.5% of complaints inside the CFPB's tracked window and closes 95.9% with a written explanation. 2.1% 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 "Took or threatened to take negative or legal action."
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 Messerli & Kramer P.A..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Messerli & Kramer P.A.: 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: 389.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.5%.
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 Messerli & Kramer P.A. (99.5% timely; 2.1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration