Total CFPB complaints
37
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 37 complaints
C & M Associates Group, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 21 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about C & M Associates Group, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
7 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
6 complaints
- False statements or representation
False statements or representation
6 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
4 complaints
- Communication tactics
Communication tactics
4 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
B
Grade B · 66.0/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about C & M Associates Group, Inc.?
C & M Associates Group, Inc. has accumulated 37 total CFPB complaints across 21 states, with 1 filed in the most recent 12 months against 36 historical complaints before that window. The trailing-12-month volume represents 2.7% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened to sue you for very old debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 17% 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 21 states, led by California with 4 and Missouri with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 66.0/100 places C & M Associates Group, Inc. 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
1
2.7% of total history
Stable →
States active
21
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
B
66.0/100 composite
Response-quality profile
How C & M Associates Group, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 33.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 37.5%
Share of US states + territories with at least one filed complaint against this collector.
How does C & M Associates Group, Inc. compare to its peers?
C & M Associates Group… 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)
2016-01 2025-06
Top Consumer Issues
Took or threatened to take negative or legal action6 (%)
Attempts to collect debt not owed7 (%)
Taking/threatening an illegal action4 (%)
False statements or representation6 (%)
Communication tactics4 (%)
Cont'd attempts collect debt not owed2 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened to sue you for very old 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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 6 |
| Attempts to collect debt not owed | Debt is not yours | 5 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 4 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 4 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| False statements or representation | Impersonated an attorney or official | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 2 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
| Communication tactics | Used obscene/profane/abusive language | 1 |
Where do complaints against C & M Associates Group, Inc. come from?
The states where consumers have filed the most CFPB complaints against C & M Associates Group, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against C & M Associates Group, Inc.
Across 21 states with at least one filing
- California
California
4 complaints
- Missouri
Missouri
4 complaints
- Texas
Texas
4 complaints
- Georgia
Georgia
3 complaints
- Pennsylvania
Pennsylvania
3 complaints
- Tennessee
Tennessee
3 complaints
- Florida
Florida
2 complaints
- Illinois 1
Illinois
1 complaints
Frequently Asked Questions
What is the most common complaint against C & M Associates Group, Inc.? ▼
The most common issue consumers report about C & M Associates Group, Inc. is "Took or threatened to take negative or legal action", specifically "Threatened to sue you for very old debt". This is based on 37 complaints filed with the CFPB.
Are complaints against C & M Associates Group, Inc. increasing or decreasing? ▼
Complaints against C & M Associates Group, Inc. have been stable. The company received 1 complaints in the last 12 months.
What is C & M Associates Group, Inc.'s reputation grade? ▼
C & M Associates Group, Inc. has a reputation grade of B (score: 66.0/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does C & M Associates Group, Inc. respond to consumer complaints? ▼
C & M Associates Group, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.
In how many states does C & M Associates Group, Inc. operate? ▼
C & M Associates Group, Inc. has received CFPB complaints from consumers in 21 states, with the most complaints from California (4 complaints).
What can I do if C & M Associates Group, Inc. 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 C & M Associates Group, Inc. 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 |