Total CFPB complaints
62
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 62 complaints
Andrews & Cox, P.C. — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Andrews & Cox, P.C.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
17 complaints
- False statements or representation
False statements or representation
15 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
9 complaints
- Written notification about debt 4
Written notification about debt
4 complaints
- Disclosure verification of debt 3
Disclosure verification of debt
3 complaints
C
Grade C · 63.6/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Andrews & Cox, P.C.?
Andrews & Cox, P.C. has accumulated 62 total CFPB complaints across 13 states, with 17 filed in the most recent 12 months against 45 historical complaints before that window. The trailing-12-month volume represents 27.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 14% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 13 states, led by Indiana with 15 and Tennessee with 8, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.6/100 places Andrews & Cox, P.C. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
17
27.4% of total history
Rising ↑
States active
13
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
C
63.6/100 composite
Response-quality profile
How Andrews & Cox, P.C. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 28.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 23.2%
Share of US states + territories with at least one filed complaint against this collector.
How does Andrews & Cox, P.C. compare to its peers?
Andrews & Cox, P.C. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2023-02 2026-03
Top Consumer Issues
False statements or representation15 (%)
Took or threatened to take negative or legal action17 (%)
Attempts to collect debt not owed9 (%)
Written notification about debt4 (%)
Disclosure verification of debt3 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 10 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 9 |
| Attempts to collect debt not owed | Debt is not yours | 5 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 5 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 2 |
Where do complaints against Andrews & Cox, P.C. come from?
The states where consumers have filed the most CFPB complaints against Andrews & Cox, P.C.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Andrews & Cox, P.C.
Across 13 states with at least one filing
- Indiana
Indiana
15 complaints
- Tennessee
Tennessee
8 complaints
- Alabama 5
Alabama
5 complaints
- Georgia 5
Georgia
5 complaints
- Mississippi 5
Mississippi
5 complaints
- Virginia 5
Virginia
5 complaints
- South Carolina 4
South Carolina
4 complaints
- Kentucky 4
Kentucky
4 complaints
Frequently Asked Questions
What is the most common complaint against Andrews & Cox, P.C.? ▼
The most common issue consumers report about Andrews & Cox, P.C. is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 62 complaints filed with the CFPB.
Are complaints against Andrews & Cox, P.C. increasing or decreasing? ▼
Complaints against Andrews & Cox, P.C. are rising. The company received 17 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Andrews & Cox, P.C.'s reputation grade? ▼
Andrews & Cox, P.C. has a reputation grade of C (score: 63.6/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Andrews & Cox, P.C. respond to consumer complaints? ▼
Andrews & Cox, P.C. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.
In how many states does Andrews & Cox, P.C. operate? ▼
Andrews & Cox, P.C. has received CFPB complaints from consumers in 13 states, with the most complaints from Indiana (15 complaints).
What can I do if Andrews & Cox, P.C. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Andrews & Cox, P.C. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |