CFPB · Single-product concentration
Spina & Lavelle, P.C.
7 CFPB complaints · 85.7% in "Debt collection" · top issue Took or threatened to take negative or legal action.
Spina & Lavelle, P.C.: 85.7% of 7 CFPB complaints sit in "Debt collection". Timely 100% · relief 14.3%. Allegations, not findings.
- Single-product concentration
- +50% filings 2022 to 2026
CFPB relief outcome brief
CCDB company spina-lavelle-p-c
14.3% relief · 100% timely · 7 filings · Debt collection
Same-product relief peers
Nearest relief peer: CCS Financial Services, Inc. (14.3% relief)
Spina & Lavelle, P.C. closes 14.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Spina & Lavelle, P.C. has 7 filings on record, below the 10-complaint threshold this score requires for a stable percentage. A single additional filing can swing a rate by 10+ points at this volume, so no score is shown rather than an unstable one.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Spina & Lavelle, P.C. complaint mix by product
- Debt collection 6 85.7% – 0% relief
- Payday loan, 1 14.3% – 100% relief
How Spina & Lavelle, P.C.'s 7 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 6 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
Concentrated filing states for Spina & Lavelle, P.C.
Top states by attributed CFPB complaint volume for this company
- Leading state
- AL
- 85.7% of this company's filings
Spina & Lavelle, P.C. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 3
- +50% vs 2022
Top States
| State | Complaints |
|---|---|
| AL | 6 |
| CT | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 3 |
| Problem with the payoff process at the end of the loan | 1 |
| Threatened to contact someone or share information improperly | 1 |
| Attempts to collect debt not owed | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2022 | 2 | 100% |
| 2024 | 1 | 100% |
| 2025 | 1 | 100% |
| 2026 | 3 | 100% |
Source: CFPB Consumer Complaint Database
Spina & Lavelle, P.C. filings cluster in one product
Spina & Lavelle, P.C.'s 7 logged complaints stay concentrated: only 2 states show a filing. Only 28.6% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2022 through 2026-04-28.
Spina & Lavelle, P.C. answers 100% of complaints inside the CFPB's tracked window and closes 85.7% with a written explanation. 14.3% 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 "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 Spina & Lavelle, P.C..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Spina & Lavelle, P.C.: 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: 7.
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 Spina & Lavelle, P.C. (100% timely; 14.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration