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

CFPB complaint data Grade D 53 complaints

Carmichael & Frost LLC - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade D.

Complaints by issue type

What consumers report about Carmichael & Frost LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record carmichael-frost-llc Carmichael & Frost LLC

Grade D · 53 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action

  • VOL 53
  • GRADE D
  • 12MO 21
  • STATES 23
  • TIMELY 100%
  • ISSUE Took or threatened to take…
  • RANK #1,153
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Advantage Collection Professionals, Inc. (53 complaints)

Advantage Collection Professionals, Inc.Advantage Collection Profess…53Assured Financial PartnersAssured Financial Partners53Audit Systems,IncAudit Systems,Inc53Bureau of Accounts ControlBureau of Accounts Control53Carmichael & Frost LLC (this)Carmichael & Frost LLC (this)53
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Carmichael & Frost LLC's 53 CFPB complaints sit next to Advantage Collection Professionals, 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 →

How the 53 complaints break down

Every complaint issue type on record for Carmichael & Frost LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.2/100
Carmichael & Frost LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
53
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Texas is the plurality state for Carmichael & Frost LLC (17.0%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Texas 17.0%
Mid-band (15–30%) · 23 states with ≥1 filing
Seasonal peak
2016-05 12.5%
8–15% band · 2 filings
Corpus ranks
#1,153 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Carmichael & Frost LLC compare to its peers?

How does Carmichael & Frost LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Carmichael & Frost LLC National average
Complaints (last 12 mo)lower is better
21
0
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
0%
13%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Carmichael & Frost LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%50%100%150% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Carmichael & Frost LLC vs. 8 similar-volume peers, by response speed and dispute rate CASH AMERICA INTERNATIONAL, INC.Butler and Associates, PAConsolidated Management Group, LLCBureau of Accounts ControlAssured Financial PartnersNational Arbitration ForumAdvantage Collection Professionals, Inc.ZARVAD III S.A.
Source: CFPB Consumer Complaint Database

Carmichael & Frost LLC's complaint volume in context

Carmichael & Frost LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

53 Top 21% higher than 79% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). This entry sits in this band. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Carmichael & Frost LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2013-09 2022-10

Issue Detail Breakdown

Issue Complaints
Took or threatened to take negative or legal action
24
Threatened to contact someone or share information improperly
12
Electronic communications
8
Attempts to collect debt not owed
5
Communication tactics
3
False statements or representation
1

Where do complaints against Carmichael & Frost LLC come from?

Carmichael & Frost LLC's own per-state count, not a national baseline.

Top states by complaints against Carmichael & Frost LLC

Across 23 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Carmichael & Frost LLC: 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: 53.

4 peers

Know your rights before responding to Carmichael & Frost LLC: 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.