Total CFPB complaints
27
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 27 complaints
Buffaloe & Associates, PLC — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Buffaloe & Associates, PLC
- Taking/threatening an illegal action
Taking/threatening an illegal action
6 complaints
- Written notification about debt
Written notification about debt
5 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- False statements or representation
False statements or representation
3 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
- Communication tactics 2
Communication tactics
2 complaints
B
Grade B · 68.5/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Buffaloe & Associates, PLC?
Buffaloe & Associates, PLC has accumulated 27 total CFPB complaints across 3 states, with 7 filed in the most recent 12 months against 20 historical complaints before that window. The trailing-12-month volume represents 25.9% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 96% timely-response rate against a 8% 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 3 states, led by Tennessee with 25 and Arkansas with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 68.5/100 places Buffaloe & Associates, PLC in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
7
25.9% of total history
Rising ↑
States active
3
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
8%
After company response
Reputation grade
B
68.5/100 composite
Response-quality profile
How Buffaloe & Associates, PLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 16.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Buffaloe & Associates, PLC compare to its peers?
Buffaloe & Associates,… 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)
2013-12 2026-02
Top Consumer Issues
Written notification about debt5 (%)
Taking/threatening an illegal action6 (%)
Disclosure verification of debt2 (%)
Communication tactics2 (%)
Took or threatened to take negative or legal action4 (%)
False statements or representation3 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 4 |
| Taking/threatening an illegal action | Attempted to/Collected exempt funds | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Communication tactics | Threatened to take legal action | 2 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
Where do complaints against Buffaloe & Associates, PLC come from?
The states where consumers have filed the most CFPB complaints against Buffaloe & Associates, PLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Buffaloe & Associates, PLC
Across 3 states with at least one filing
- Tennessee
Tennessee
25 complaints
- Arkansas 1
Arkansas
1 complaints
- North Carolina 1
North Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against Buffaloe & Associates, PLC? ▼
The most common issue consumers report about Buffaloe & Associates, PLC is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 27 complaints filed with the CFPB.
Are complaints against Buffaloe & Associates, PLC increasing or decreasing? ▼
Complaints against Buffaloe & Associates, PLC are rising. The company received 7 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Buffaloe & Associates, PLC's reputation grade? ▼
Buffaloe & Associates, PLC has a reputation grade of B (score: 68.5/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Buffaloe & Associates, PLC respond to consumer complaints? ▼
Buffaloe & Associates, PLC has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 8% of cases.
In how many states does Buffaloe & Associates, PLC operate? ▼
Buffaloe & Associates, PLC has received CFPB complaints from consumers in 3 states, with the most complaints from Tennessee (25 complaints).
What can I do if Buffaloe & Associates, PLC 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 Buffaloe & Associates, PLC 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 |