CFPB · Single-product concentration
St.John Cobb Inc
16 CFPB complaints · 93.8% in "Debt collection" · top issue Attempts to collect debt not owed.
St.John Cobb Inc: 93.8% of 16 CFPB complaints sit in "Debt collection". Timely 87.5% · relief 12.5%. Allegations, not findings.
- Single-product concentration
- -75% filings 2017 to 2025
CFPB relief outcome brief
CCDB company st-john-cobb-inc
12.5% relief · 87.5% timely · 16 filings · Debt collection
Same-product relief peers
Nearest relief peer: Scott Fetzer Financial Group Inc. (12.5% relief)
St.John Cobb Inc closes 12.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
St.John Cobb Inc scores strongest on timely response (78/100 percentile-benchmarked) and weakest on relief provided (58/100), 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
58 / 100 percentile-benchmarked
12.5% of complaints closed with relief to the consumer
Timely response
78 / 100 percentile-benchmarked
87.5% of complaints answered inside the CFPB 15-day window
Closed with explanation
66 / 100 percentile-benchmarked
81.3% of complaints closed with an explanation to the consumer
Most of St.John Cobb Inc's 16 filings include narrative text
50% 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.
St.John Cobb Inc complaint mix by product
- Debt collection 15 93.8% – 13% relief
- Credit reporting, 1 6.3% – 0% relief
How St.John Cobb Inc's 16 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 15 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for St.John Cobb Inc
Top states by attributed CFPB complaint volume for this company
- Leading state
- NC
- 68.8% of this company's filings
St.John Cobb Inc falling annual filings
Annual filing volume from the CFPB public database
- 2025
- 1
- -75% vs 2017
Top States
| State | Complaints |
|---|---|
| NC | 11 |
| CA | 1 |
| AZ | 1 |
| NY | 1 |
| TX | 1 |
| SC | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 5 |
| Written notification about debt | 4 |
| Took or threatened to take negative or legal action | 2 |
| Communication tactics | 2 |
| Improper use of your report | 1 |
| Disclosure verification of debt | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2017 | 4 | 100% |
| 2018 | 4 | 100% |
| 2019 | 2 | 100% |
| 2020 | 1 | 0% |
| 2021 | 1 | 100% |
| 2022 | 1 | 100% |
| 2023 | 1 | 100% |
| 2024 | 1 | 100% |
| 2025 | 1 | 0% |
Source: CFPB Consumer Complaint Database
St.John Cobb Inc filings cluster in one product
St.John Cobb Inc's 16 logged complaints stay concentrated: only 6 states show a filing. 50% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2017 through 2025-02-09.
St.John Cobb Inc answers 87.5% of complaints inside the CFPB's tracked window and closes 81.3% with a written explanation. 12.5% 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 "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 St.John Cobb Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for St.John Cobb 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: 16.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 87.5%.
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 St.John Cobb Inc (87.5% timely; 12.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration