Total CFPB complaints
29
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 29 complaints
BOC LLC — Debt Collector Complaint Profile
CFPB complaint profile across 12 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about BOC LLC
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
10 complaints
- Communication tactics
Communication tactics
7 complaints
- Disclosure verification of debt
Disclosure verification of debt
4 complaints
- Taking/threatening an illegal action 3
Taking/threatening an illegal action
3 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
C
Grade C · 64.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about BOC LLC?
BOC LLC has accumulated 29 total CFPB complaints across 12 states, with 0 filed in the most recent 12 months against 29 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 93% timely-response rate against a 17% 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 12 states, led by California with 5 and Illinois with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.7/100 places BOC LLC 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
0
0.0% of total history
Stable →
States active
12
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
C
64.7/100 composite
Response-quality profile
How BOC LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 93.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 34.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 21.4%
Share of US states + territories with at least one filed complaint against this collector.
How does BOC LLC compare to its peers?
BOC LLC 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)
2014-04 2014-09
Top Consumer Issues
Cont'd attempts collect debt not owed10 (%)
Communication tactics7 (%)
False statements or representation2 (%)
Taking/threatening an illegal action3 (%)
Disclosure verification of debt4 (%)
Improper contact or sharing of info1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 6 |
| Communication tactics | Frequent or repeated calls | 5 |
| Cont'd attempts collect debt not owed | Debt was paid | 4 |
| False statements or representation | Impersonated an attorney or official | 2 |
| Communication tactics | Used obscene/profane/abusive language | 2 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 1 |
Where do complaints against BOC LLC come from?
The states where consumers have filed the most CFPB complaints against BOC LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against BOC LLC
Across 12 states with at least one filing
- California
California
5 complaints
- Illinois
Illinois
5 complaints
- Michigan
Michigan
4 complaints
- Maryland
Maryland
3 complaints
- Pennsylvania
Pennsylvania
3 complaints
- Louisiana
Louisiana
2 complaints
- Florida
Florida
2 complaints
- Massachusetts 1
Massachusetts
1 complaints
Frequently Asked Questions
What is the most common complaint against BOC LLC? ▼
The most common issue consumers report about BOC LLC is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 29 complaints filed with the CFPB.
Are complaints against BOC LLC increasing or decreasing? ▼
Complaints against BOC LLC have been stable. The company received 0 complaints in the last 12 months.
What is BOC LLC's reputation grade? ▼
BOC LLC has a reputation grade of C (score: 64.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does BOC LLC respond to consumer complaints? ▼
BOC LLC has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.
In how many states does BOC LLC operate? ▼
BOC LLC has received CFPB complaints from consumers in 12 states, with the most complaints from California (5 complaints).
What can I do if BOC LLC 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 BOC LLC 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 |