What is the most common complaint against Brown and Joseph, Ltd?

The most common issue consumers report about Brown and Joseph, Ltd is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 209 complaints filed with the CFPB.

Are complaints against Brown and Joseph, Ltd increasing or decreasing?

Complaints against Brown and Joseph, Ltd are falling. The company received 20 complaints in the last 12 months, showing improvement over prior periods.

What is Brown and Joseph, Ltd's reputation grade?

Brown and Joseph, Ltd has a reputation grade of F (score: 48.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Brown and Joseph, Ltd respond to consumer complaints?

Brown and Joseph, Ltd has a 86% timely response rate to CFPB complaints. Consumers disputed the company's response in 28% of cases.

In how many states does Brown and Joseph, Ltd operate?

Brown and Joseph, Ltd has received CFPB complaints from consumers in 36 states, with the most complaints from California (38 complaints).

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

Brown and Joseph, Ltd - Debt Collector Complaint Profile

CFPB complaint profile across 36 states, reputation grade F.

Compiled by PlainCollector

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

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 #4265

VOL 209
GRADE F
12MO 20
STATES 36
TIMELY 86%
DISPUTE 28%
ISSUE Attempts to collect debt n…
RANK #512
COMPOSE #4,265

Volume peers

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

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 →

Filing geometry

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

Volume rank #512 and composite rank #4,265 diverge by 3,753 places on PlainCollector's CFPB-derived corpus maps. 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
Divergent corpus ranks: #512 volume; #4,265 composite; Cleanest-composite ladder is 3,753 places worse than volume

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

268

Timely-response ratehigher is better

86%

97%

91%

Consumer-dispute ratelower is better

28%

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

California

38
Florida

20
Texas

16
New York

14
Georgia

11
Arizona

10
Illinois

8
New Jersey

8

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.