Total CFPB complaints
203
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 203 complaints
Brown and Joseph, Ltd — Debt Collector Complaint Profile
CFPB complaint profile across 36 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Brown and Joseph, Ltd
- Attempts to collect debt not owed
Attempts to collect debt not owed
53 complaints
- False statements or representation
False statements or representation
28 complaints
- Communication tactics
Communication tactics
23 complaints
- Written notification about debt 21
Written notification about debt
21 complaints
- Cont'd attempts collect debt not owed 17
Cont'd attempts collect debt not owed
17 complaints
- Improper contact or sharing of info 6
Improper contact or sharing of info
6 complaints
F
Grade F · 52.1/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Brown and Joseph, Ltd?
Brown and Joseph, Ltd has accumulated 203 total CFPB complaints across 36 states, with 25 filed in the most recent 12 months against 178 historical complaints before that window. The trailing-12-month volume represents 12.3% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 86% timely-response rate against a 28% 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 36 states, led by California with 35 and Florida with 20, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.1/100 places Brown and Joseph, Ltd 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
25
12.3% of total history
Falling ↓
States active
36
Distinct state filings
Timely response rate
86%
Within CFPB SLA window
Consumer disputes
28%
After company response
Reputation grade
F
52.1/100 composite
Response-quality profile
How Brown and Joseph, Ltd performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 86.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 55.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 64.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Brown and Joseph, Ltd compare to its peers?
Brown and Joseph, Ltd 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)
2024-03 2026-02
Top Consumer Issues
Attempts to collect debt not owed53 (%)
False statements or representation28 (%)
Communication tactics23 (%)
Cont'd attempts collect debt not owed17 (%)
Written notification about debt21 (%)
Improper contact or sharing of info6 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 37 |
| False statements or representation | Attempted to collect wrong amount | 22 |
| Communication tactics | Frequent or repeated calls | 17 |
| Cont'd attempts collect debt not owed | Debt is not mine | 17 |
| Attempts to collect debt not owed | Debt was paid | 16 |
| Written notification about debt | Didn't receive enough information to verify debt | 15 |
| Improper contact or sharing of info | Talked to a third party about my debt | 6 |
| Communication tactics | Threatened to take legal action | 6 |
| Written notification about debt | Didn't receive notice of right to dispute | 6 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 6 |
Where do complaints against Brown and Joseph, Ltd come from?
The states where consumers have filed the most CFPB complaints against Brown and Joseph, Ltd. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Brown and Joseph, Ltd
Across 36 states with at least one filing
- California
California
35 complaints
- Florida
Florida
20 complaints
- Texas
Texas
16 complaints
- New York
New York
14 complaints
- Georgia 11
Georgia
11 complaints
- Arizona 10
Arizona
10 complaints
- Virginia 8
Virginia
8 complaints
- Illinois 8
Illinois
8 complaints
Frequently Asked Questions
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 203 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 25 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: 52.1/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 (35 complaints).
What can I do if Brown and Joseph, Ltd 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 Brown and Joseph, Ltd 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 |