Total CFPB complaints
23
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 23 complaints
Borenstein & Associates, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 10 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Borenstein & Associates, LLC
- Communication tactics
Communication tactics
7 complaints
- Taking/threatening an illegal action 2
Taking/threatening an illegal action
2 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
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
F
Grade F · 37.3/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Borenstein & Associates, LLC?
Borenstein & Associates, LLC has accumulated 23 total CFPB complaints across 10 states, with 1 filed in the most recent 12 months against 22 historical complaints before that window. The trailing-12-month volume represents 4.3% 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 "Communication tactics", narrowing to "Threatened to take legal action", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 9% 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 10 states, led by Colorado with 12 and New Mexico with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 37.3/100 places Borenstein & Associates, LLC in grade band F, 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
4.3% of total history
Falling ↓
States active
10
Distinct state filings
Timely response rate
9%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
F
37.3/100 composite
Response-quality profile
How Borenstein & Associates, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 8.7%
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 17.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Borenstein & Associates, LLC compare to its peers?
Borenstein & Associate… 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)
2013-07 2025-11
Top Consumer Issues
Communication tactics7 (%)
Taking/threatening an illegal action2 (%)
False statements or representation2 (%)
Cont'd attempts collect debt not owed1 (%)
Written notification about debt1 (%)
Took or threatened to take negative or legal action2 (%)
Threatened to contact someone or share information improperly1 (%)
Most common issue: Communication tactics — Threatened to take legal action
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 |
|---|---|---|
| Communication tactics | Threatened to take legal action | 4 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
Where do complaints against Borenstein & Associates, LLC come from?
The states where consumers have filed the most CFPB complaints against Borenstein & Associates, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Borenstein & Associates, LLC
Across 10 states with at least one filing
- Colorado
Colorado
12 complaints
- New Mexico 3
New Mexico
3 complaints
- Utah 1
Utah
1 complaints
- Oklahoma 1
Oklahoma
1 complaints
- Washington 1
Washington
1 complaints
- Texas 1
Texas
1 complaints
- California 1
California
1 complaints
- Massachusetts 1
Massachusetts
1 complaints
Frequently Asked Questions
What is the most common complaint against Borenstein & Associates, LLC? ▼
The most common issue consumers report about Borenstein & Associates, LLC is "Communication tactics", specifically "Threatened to take legal action". This is based on 23 complaints filed with the CFPB.
Are complaints against Borenstein & Associates, LLC increasing or decreasing? ▼
Complaints against Borenstein & Associates, LLC are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.
What is Borenstein & Associates, LLC's reputation grade? ▼
Borenstein & Associates, LLC has a reputation grade of F (score: 37.3/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Borenstein & Associates, LLC respond to consumer complaints? ▼
Borenstein & Associates, LLC has a 9% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.
In how many states does Borenstein & Associates, LLC operate? ▼
Borenstein & Associates, LLC has received CFPB complaints from consumers in 10 states, with the most complaints from Colorado (12 complaints).
What can I do if Borenstein & Associates, 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 Borenstein & Associates, 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 |