CFPB · Single-product concentration
Smith, Rouchon & Associates, Inc.
293 CFPB complaints · 83.3% in "Debt collection" · top issue Attempts to collect debt not owed.
Smith, Rouchon & Associates, Inc.: 83.3% of 293 CFPB complaints sit in "Debt collection". Timely 100% · relief 0.7%. Allegations, not findings.
- Single-product concentration
- +1733.3% filings 2013 to 2026
CFPB relief outcome brief
CCDB company smith-rouchon-associates-inc
0.7% relief · 100% timely · 293 filings · Debt collection
Same-product relief peers
Nearest relief peer: Ad Astra Recovery Services Inc (0.7% relief)
Smith, Rouchon & Associates, Inc. closes 0.7% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Smith, Rouchon & Associates, Inc. scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (3/100), 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
3 / 100 percentile-benchmarked
0.7% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
98 / 100 percentile-benchmarked
99% of complaints closed with an explanation to the consumer
How 293 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.
Smith, Rouchon & Associates, Inc. complaint mix by product
- Debt collection 244 83.3% – 1% relief
- Credit reporting, 25 8.5% – 0% relief
- Credit reporting 20 6.8% – 0% relief
- Student loan 2 0.7% – 0% relief
- Credit card 1 0.3% – 0% relief
- Payday loan, 1 0.3% – 0% relief
How Smith, Rouchon & Associates, Inc.'s 293 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 244 |
| Credit reporting, credit repair services, or other personal consumer reports | 25 |
| Credit reporting or other personal consumer reports | 20 |
| Student loan | 2 |
| Credit card | 1 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
Concentrated filing states for Smith, Rouchon & Associates, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- MS
- 68.9% of this company's filings
Smith, Rouchon & Associates, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 55
- +1733.3% vs 2013
Top States
| State | Complaints |
|---|---|
| MS | 202 |
| AL | 26 |
| TX | 18 |
| GA | 11 |
| LA | 5 |
| AR | 5 |
| TN | 4 |
| FL | 3 |
| MN | 2 |
| CA | 2 |
| MI | 2 |
| ID | 2 |
| VT | 2 |
| OR | 1 |
| IL | 1 |
| VA | 1 |
| NC | 1 |
| HI | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 90 |
| Written notification about debt | 69 |
| Incorrect information on your report | 26 |
| Took or threatened to take negative or legal action | 26 |
| False statements or representation | 18 |
| Cont'd attempts collect debt not owed | 12 |
| Disclosure verification of debt | 10 |
| Communication tactics | 9 |
| Improper use of your report | 8 |
| Problem with a credit reporting company's investigation into an existing problem | 7 |
| Threatened to contact someone or share information improperly | 5 |
| Problem with a company's investigation into an existing problem | 3 |
| Improper contact or sharing of info | 3 |
| Taking/threatening an illegal action | 2 |
| Dealing with your lender or servicer | 2 |
| Problem with a purchase shown on your statement | 1 |
| Charged fees or interest you didn't expect | 1 |
| Unexpected or other fees | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 3 | 100% |
| 2014 | 4 | 100% |
| 2015 | 7 | 100% |
| 2016 | 13 | 100% |
| 2017 | 20 | 100% |
| 2018 | 21 | 100% |
| 2019 | 13 | 100% |
| 2020 | 12 | 100% |
| 2021 | 17 | 100% |
| 2022 | 39 | 100% |
| 2023 | 21 | 100% |
| 2024 | 25 | 100% |
| 2025 | 43 | 100% |
| 2026 | 55 | 100% |
Source: CFPB Consumer Complaint Database
Smith, Rouchon & Associates, Inc. filings cluster in one product
Smith, Rouchon & Associates, Inc.'s 293 logged complaints stay concentrated: only 18 states show a filing. Only 32.1% 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 2026-06-22.
Smith, Rouchon & Associates, Inc. answers 100% of complaints inside the CFPB's tracked window and closes 99% with a written explanation. 0.7% 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 Smith, Rouchon & Associates, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Smith, Rouchon & 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: 293.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Smith, Rouchon & Associates, Inc. (100% timely; 0.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration