Total CFPB complaints
29
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 29 complaints
Buckles & Buckles, P.L.C. — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Buckles & Buckles, P.L.C.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
11 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
C
Grade C · 60.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Buckles & Buckles, P.L.C.?
Buckles & Buckles, P.L.C. has accumulated 29 total CFPB complaints across 5 states, with 13 filed in the most recent 12 months against 16 historical complaints before that window. The trailing-12-month volume represents 44.8% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Collected or attempted to collect exempt funds", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 69% 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 5 states, led by Michigan with 22 and California 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 60.4/100 places Buckles & Buckles, P.L.C. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
13
44.8% of total history
Rising ↑
States active
5
Distinct state filings
Timely response rate
69%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
60.4/100 composite
Response-quality profile
How Buckles & Buckles, P.L.C. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 69.0%
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 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Buckles & Buckles, P.L.C. compare to its peers?
Buckles & Buckles, P.L… 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)
2013-10 2026-02
Top Consumer Issues
Took or threatened to take negative or legal action11 (%)
Attempts to collect debt not owed6 (%)
Written notification about debt3 (%)
Threatened to contact someone or share information improperly1 (%)
False statements or representation1 (%)
Most common issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
Where do complaints against Buckles & Buckles, P.L.C. come from?
The states where consumers have filed the most CFPB complaints against Buckles & Buckles, P.L.C.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Buckles & Buckles, P.L.C.
Across 5 states with at least one filing
- Michigan
Michigan
22 complaints
- California 2
California
2 complaints
- Texas 2
Texas
2 complaints
- North Carolina 2
North Carolina
2 complaints
- Wisconsin 1
Wisconsin
1 complaints
Frequently Asked Questions
What is the most common complaint against Buckles & Buckles, P.L.C.? ▼
The most common issue consumers report about Buckles & Buckles, P.L.C. is "Took or threatened to take negative or legal action", specifically "Collected or attempted to collect exempt funds". This is based on 29 complaints filed with the CFPB.
Are complaints against Buckles & Buckles, P.L.C. increasing or decreasing? ▼
Complaints against Buckles & Buckles, P.L.C. are rising. The company received 13 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Buckles & Buckles, P.L.C.'s reputation grade? ▼
Buckles & Buckles, P.L.C. has a reputation grade of C (score: 60.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Buckles & Buckles, P.L.C. respond to consumer complaints? ▼
Buckles & Buckles, P.L.C. has a 69% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Buckles & Buckles, P.L.C. operate? ▼
Buckles & Buckles, P.L.C. has received CFPB complaints from consumers in 5 states, with the most complaints from Michigan (22 complaints).
What can I do if Buckles & Buckles, P.L.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 Buckles & Buckles, P.L.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 |