Total CFPB complaints
11
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 11 complaints
Bonial & Associates, P.C — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Bonial & Associates, P.C
- Disclosure verification of debt
Disclosure verification of debt
6 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
B
Grade B · 67.8/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Bonial & Associates, P.C?
Bonial & Associates, P.C has accumulated 11 total CFPB complaints across 2 states, with 1 filed in the most recent 12 months against 10 historical complaints before that window. The trailing-12-month volume represents 9.1% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Disclosure verification of debt", narrowing to "Not given enough info to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 73% timely-response rate against a 0% 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 2 states, led by Texas with 8 and New Jersey with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 67.8/100 places Bonial & Associates, P.C in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
9.1% of total history
Falling ↓
States active
2
Distinct state filings
Timely response rate
73%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
67.8/100 composite
Response-quality profile
How Bonial & Associates, P.C performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 72.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Bonial & Associates, P.C compare to its peers?
Bonial & Associates, P… 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)
2016-06 2025-04
Top Consumer Issues
Disclosure verification of debt6 (%)
False statements or representation2 (%)
Took or threatened to take negative or legal action2 (%)
Attempts to collect debt not owed1 (%)
Most common issue: Disclosure verification of debt — Not given enough info to verify debt
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 |
|---|---|---|
| Disclosure verification of debt | Not given enough info to verify debt | 6 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 2 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 2 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
Where do complaints against Bonial & Associates, P.C come from?
The states where consumers have filed the most CFPB complaints against Bonial & Associates, P.C. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Bonial & Associates, P.C
Across 2 states with at least one filing
- Texas
Texas
8 complaints
- New Jersey 2
New Jersey
2 complaints
Frequently Asked Questions
What is the most common complaint against Bonial & Associates, P.C? ▼
The most common issue consumers report about Bonial & Associates, P.C is "Disclosure verification of debt", specifically "Not given enough info to verify debt". This is based on 11 complaints filed with the CFPB.
Are complaints against Bonial & Associates, P.C increasing or decreasing? ▼
Complaints against Bonial & Associates, P.C are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.
What is Bonial & Associates, P.C's reputation grade? ▼
Bonial & Associates, P.C has a reputation grade of B (score: 67.8/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Bonial & Associates, P.C respond to consumer complaints? ▼
Bonial & Associates, P.C has a 73% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Bonial & Associates, P.C operate? ▼
Bonial & Associates, P.C has received CFPB complaints from consumers in 2 states, with the most complaints from Texas (8 complaints).
What can I do if Bonial & Associates, 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 Bonial & Associates, 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 |