CFPB · Single-product concentration
Phillips & Cohen Associates, Ltd.
376 CFPB complaints · 88.3% in "Debt collection" · top issue Attempts to collect debt not owed.
Phillips & Cohen Associates, Ltd.: 88.3% of 376 CFPB complaints sit in "Debt collection". Timely 99.5% · relief 17%. Allegations, not findings.
- Single-product concentration
- +94.1% filings 2013 to 2026
CFPB relief outcome brief
CCDB company phillips-cohen-associates-ltd
17% relief · 99.5% timely · 376 filings · Debt collection
Same-product relief peers
Nearest relief peer: Lien Enforcement Inc (17% relief)
Phillips & Cohen Associates, Ltd. closes 17% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Phillips & Cohen Associates, Ltd. scores strongest on timely response (99/100 percentile-benchmarked) and weakest on closed with explanation (66/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
79 / 100 percentile-benchmarked
17% of complaints closed with relief to the consumer
Timely response
99 / 100 percentile-benchmarked
99.5% of complaints answered inside the CFPB 15-day window
Closed with explanation
66 / 100 percentile-benchmarked
81.4% of complaints closed with an explanation to the consumer
How 376 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.
Phillips & Cohen Associates, Ltd. complaint mix by product
- Debt collection 332 88.8% – 19% relief
- Credit card 13 3.5% – 0% relief
- Credit reporting, 11 2.9% – 0% relief
- Credit reporting 11 2.9% – 0% relief
- Credit card 3 0.8% – 0% relief
- Debt or 3 0.8% – 33% relief
- Payday loan, 1 0.3% – 0% relief
How Phillips & Cohen Associates, Ltd.'s 376 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 332 |
| Credit card | 13 |
| Credit reporting, credit repair services, or other personal consumer reports | 11 |
| Credit reporting or other personal consumer reports | 11 |
| Credit card or prepaid card | 3 |
| Debt or credit management | 3 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Consumer Loan | 1 |
| Checking or savings account | 1 |
Nationwide filing states for Phillips & Cohen Associates, Ltd.
Top states by attributed CFPB complaint volume for this company
- Leading state
- NY
- 10.9% of this company's filings
Phillips & Cohen Associates, Ltd. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 33
- +94.1% vs 2013
Top States
| State | Complaints |
|---|---|
| NY | 41 |
| CA | 38 |
| FL | 31 |
| GA | 27 |
| TX | 20 |
| PA | 18 |
| IL | 18 |
| OH | 13 |
| NJ | 12 |
| MD | 11 |
| MI | 10 |
| MA | 10 |
| VA | 9 |
| IN | 7 |
| NV | 7 |
| TN | 7 |
| AZ | 7 |
| MO | 6 |
| AL | 5 |
| KY | 5 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 103 |
| Communication tactics | 53 |
| Written notification about debt | 43 |
| Cont'd attempts collect debt not owed | 38 |
| False statements or representation | 33 |
| Disclosure verification of debt | 22 |
| Took or threatened to take negative or legal action | 20 |
| Incorrect information on your report | 12 |
| Improper contact or sharing of info | 11 |
| Improper use of your report | 7 |
| Electronic communications | 6 |
| Problem with a company's investigation into an existing problem | 4 |
| Struggling to pay your bill | 3 |
| Taking/threatening an illegal action | 3 |
| Problem with a credit reporting company's investigation into an existing problem | 3 |
| Getting a credit card | 2 |
| Credit monitoring or identity theft protection services | 1 |
| Other features, terms, or problems | 1 |
| Problem with a purchase shown on your statement | 1 |
| Unauthorized withdrawals or charges | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 17 | 100% |
| 2014 | 30 | 100% |
| 2015 | 26 | 100% |
| 2016 | 26 | 96.2% |
| 2017 | 15 | 100% |
| 2018 | 10 | 100% |
| 2019 | 14 | 100% |
| 2020 | 20 | 100% |
| 2021 | 13 | 100% |
| 2022 | 16 | 100% |
| 2023 | 38 | 100% |
| 2024 | 45 | 100% |
| 2025 | 73 | 98.6% |
| 2026 | 33 | 100% |
Source: CFPB Consumer Complaint Database
Phillips & Cohen Associates, Ltd. filings cluster in one product
Phillips & Cohen Associates, Ltd.'s 376 logged complaints reach a nationwide footprint - 46 states have at least one filing. Only 37.8% 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 2026-06-26.
Phillips & Cohen Associates, Ltd. answers 99.5% of complaints inside the CFPB's tracked window and closes 81.4% with a written explanation. 17% 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 Phillips & Cohen Associates, Ltd..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Phillips & Cohen Associates, Ltd.: 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: 376.
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 Phillips & Cohen Associates, Ltd. (99.5% timely; 17% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration