CFPB · Single-product concentration
Stephens and Michaels Associates, Inc.
78 CFPB complaints · 98.7% in "Debt collection" · top issue Cont'd attempts collect debt not owed.
Stephens and Michaels Associates, Inc.: 98.7% of 78 CFPB complaints sit in "Debt collection". Timely 92.3% · relief 0%. Allegations, not findings.
- Single-product concentration
- +112.5% filings 2013 to 2016
CFPB relief outcome brief
CCDB company stephens-and-michaels-associates-inc
0% relief · 92.3% timely · 78 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Stephens and Michaels Associates, Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 78 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.
Stephens and Michaels Associates, Inc. complaint mix by product
- Debt collection 77 98.7% – 0% relief
- Student loan 1 1.3% – 0% relief
How Stephens and Michaels Associates, Inc.'s 78 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 77 |
| Student loan | 1 |
Where Stephens and Michaels Associates, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- NY
- 12.8% of this company's filings
Stephens and Michaels Associates, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2016
- 17
- +112.5% vs 2013
Top States
| State | Complaints |
|---|---|
| NY | 10 |
| CA | 8 |
| TX | 8 |
| FL | 8 |
| OH | 6 |
| VA | 6 |
| GA | 5 |
| NC | 4 |
| NJ | 3 |
| TN | 3 |
| KS | 2 |
| MA | 2 |
| OR | 2 |
| DC | 1 |
| AL | 1 |
| WY | 1 |
| PR | 1 |
| MD | 1 |
| CO | 1 |
| IL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Cont'd attempts collect debt not owed | 39 |
| Communication tactics | 19 |
| Disclosure verification of debt | 11 |
| False statements or representation | 4 |
| Improper contact or sharing of info | 3 |
| Taking/threatening an illegal action | 1 |
| Dealing with my lender or servicer | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 8 | 100% |
| 2014 | 35 | 100% |
| 2015 | 18 | 94.4% |
| 2016 | 17 | 70.6% |
Source: CFPB Consumer Complaint Database
Stephens and Michaels Associates, Inc. filings cluster in one product
Stephens and Michaels Associates, Inc.'s 78 logged complaints stay concentrated: only 24 states show a filing. Only 14.1% 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 2016-09-14.
Stephens and Michaels Associates, Inc. answers 92.3% of complaints inside the CFPB's tracked window and closes 93.6% with a written explanation. 0% 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 "Cont'd attempts 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 Stephens and Michaels Associates, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Stephens and Michaels 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: 78.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 92.3%.
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 Stephens and Michaels Associates, Inc. (92.3% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration