This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 209 complaints

Brown and Joseph, Ltd - Debt Collector Complaint Profile

CFPB complaint profile across 36 states, reputation grade F.

Complaints by issue type

What consumers report about Brown and Joseph, Ltd

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record brown-and-joseph-ltd Brown and Joseph, Ltd

Grade F · 209 CFPB filings · 86% timely · lead issue: Attempts to collect debt not owed · vol #512 · compose #422

  • VOL 209
  • GRADE F
  • 12MO 20
  • STATES 36
  • TIMELY 86%
  • DISPUTE 28%
  • ISSUE Attempts to collect debt n…
  • RANK #512
  • COMPOSE #422

Volume peers

Nearest volume peer: Total Card, Inc. (209 complaints)

Eastern Revenue, Inc.Eastern Revenue, Inc.208Total Card, Inc.Total Card, Inc.209Brown and Joseph, Ltd (this)Brown and Joseph, Ltd (this)209Nelson and Kennard, LLPNelson and Kennard, LLP210Solidus Group LLC.Solidus Group LLC.210
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Brown and Joseph, Ltd's 209 CFPB complaints sit next to Total Card, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 209 complaints break down

Every complaint issue type on record for Brown and Joseph, Ltd, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
48.5/100
Brown and Joseph, Ltd

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
209
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
86%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
28%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

California is the plurality state for Brown and Joseph, Ltd (18.2%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
California 18.2%
Mid-band (15–30%) · 36 states with ≥1 filing
Seasonal peak
2024-08 8.6%
8–15% band · 6 filings
Corpus ranks
#512 volume
#422 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Brown and Joseph, Ltd compare to its peers?

How does Brown and Joseph, Ltd compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Brown and Joseph, Ltd National average
Complaints (last 12 mo)lower is better
20
2
268
Timely-response ratehigher is better
86%
97%
91%
Consumer-dispute ratelower is better
28%
17%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Brown and Joseph, Ltd a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 70%80%90%100%110% 0%20%40%60% Timely response rate (%) Dispute rate (%) Brown and Joseph, Ltd vs. 9 similar-volume peers, by response speed and dispute rate Brown and Joseph, LtdTotal Card, Inc.Solidus Group LLC.Nelson and Kennard, LLPEastern Revenue, Inc.Knight Adjustment BureauTurning Point Solutions LLCLANIER COLLECTIONS AGENCY AND SERVICES INCFirst Financial Resources, Inc.Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
Source: CFPB Consumer Complaint Database

Brown and Joseph, Ltd's complaint volume in context

Brown and Joseph, Ltd vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

209 Top 9% higher than 91% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Brown and Joseph, Ltd 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2023-11 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
59
Communication tactics
34
False statements or representation
32
Written notification about debt
23
Cont'd attempts collect debt not owed
23
Took or threatened to take negative or legal action
15
Improper contact or sharing of info
10
Threatened to contact someone or share information improperly
6
Disclosure verification of debt
5
Electronic communications
1

Where do complaints against Brown and Joseph, Ltd come from?

Brown and Joseph, Ltd's own per-state count, not a national baseline.

Top states by complaints against Brown and Joseph, Ltd

Across 36 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Brown and Joseph, Ltd: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 209.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 86.20689655172413%.

4 peers

Know your rights before responding to Brown and Joseph, Ltd: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.