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

Data updated July 2026

D

Grade D · 56.1/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Carmichael & Frost LLC ranks ahead of 29% of the 5,283 collectors PlainCollector grades - 71% keep a cleaner CFPB record, on 53 all-time complaints and a 100% timely-response rate.

29th pct
reputation rank of 5,283 graded collectors
53
CFPB complaints, all-time
100%
answered inside the CFPB window
21
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Carmichael & Frost LLC?

Carmichael & Frost LLC has accumulated 53 total CFPB complaints across 23 states, with 21 filed in the most recent 12 months against 32 historical complaints before that window. The trailing-12-month volume represents 39.6% 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 "Seized or attempted to seize your property". The company posts a 100% timely-response rate.

Complaints have been recorded across 23 states, led by Texas with 9 and California with 5. Normalized against the full CFPB collector database, the reputation score of 56.1/100 places Carmichael & Frost LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

53

low-volume (CCDB)

Last 12 months

21

39.6% of all-time complaints

Rising ↑

States active

23

multi-region footprint

Timely response rate

100%

excellent band

Reputation grade

D

56.1/100 composite

How does Carmichael & Frost LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

56 29th percentile higher than 29% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Carmichael & Frost LLC versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 41.1%

Share of US states + territories with at least one filed complaint against this collector.

How does Carmichael & Frost LLC compare to its peers?

How does Carmichael & Frost LLC compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2013-09 2022-10

Issue Detail Breakdown

Issue Sub-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

What to do if Carmichael & Frost LLC contacts you

A grade of D signals how Carmichael & Frost LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Carmichael & Frost LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Carmichael & Frost LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Carmichael & Frost LLC? ▼

The most common issue consumers report about Carmichael & Frost LLC is "Took or threatened to take negative or legal action", specifically "Seized or attempted to seize your property". This is based on 53 complaints filed with the CFPB.

Are complaints against Carmichael & Frost LLC increasing or decreasing? ▼

Complaints against Carmichael & Frost LLC are rising. The company received 21 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Carmichael & Frost LLC's reputation grade? ▼

Carmichael & Frost LLC has a reputation grade of D (score: 56.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Carmichael & Frost LLC respond to consumer complaints? ▼

Carmichael & Frost LLC has a 100% timely response rate to CFPB complaints.

In how many states does Carmichael & Frost LLC operate? ▼

Carmichael & Frost LLC has received CFPB complaints from consumers in 23 states, with the most complaints from Texas (9 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.