Total CFPB complaints
182
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 182 complaints
Cawley & Bergmann, LLP — Debt Collector Complaint Profile
CFPB complaint profile across 35 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Cawley & Bergmann, LLP
- Attempts to collect debt not owed
Attempts to collect debt not owed
45 complaints
- Communication tactics
Communication tactics
28 complaints
- False statements or representation
False statements or representation
20 complaints
- Written notification about debt 15
Written notification about debt
15 complaints
- Cont'd attempts collect debt not owed 12
Cont'd attempts collect debt not owed
12 complaints
- Took or threatened to take negative or legal action 11
Took or threatened to take negative or legal action
11 complaints
D
Grade D · 57.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Cawley & Bergmann, LLP?
Cawley & Bergmann, LLP has accumulated 182 total CFPB complaints across 35 states, with 24 filed in the most recent 12 months against 158 historical complaints before that window. The trailing-12-month volume represents 13.2% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 92% timely-response rate against a 15% 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 35 states, led by California with 26 and Texas with 16, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.4/100 places Cawley & Bergmann, LLP in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
24
13.2% of total history
Falling ↓
States active
35
Distinct state filings
Timely response rate
92%
Within CFPB SLA window
Consumer disputes
15%
After company response
Reputation grade
D
57.4/100 composite
Response-quality profile
How Cawley & Bergmann, LLP performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 91.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 30.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 62.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Cawley & Bergmann, LLP compare to its peers?
Cawley & Bergmann, LLP 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)
2023-11 2026-02
Top Consumer Issues
Attempts to collect debt not owed45 (%)
False statements or representation20 (%)
Communication tactics28 (%)
Written notification about debt15 (%)
Cont'd attempts collect debt not owed12 (%)
Took or threatened to take negative or legal action11 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 24 |
| False statements or representation | Attempted to collect wrong amount | 20 |
| Attempts to collect debt not owed | Debt was result of identity theft | 16 |
| Communication tactics | Frequent or repeated calls | 16 |
| Written notification about debt | Didn't receive enough information to verify debt | 15 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 12 |
| Cont'd attempts collect debt not owed | Debt is not mine | 12 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 6 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 5 |
| Attempts to collect debt not owed | Debt was paid | 5 |
Where do complaints against Cawley & Bergmann, LLP come from?
The states where consumers have filed the most CFPB complaints against Cawley & Bergmann, LLP. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Cawley & Bergmann, LLP
Across 35 states with at least one filing
- California
California
26 complaints
- Texas
Texas
16 complaints
- North Carolina
North Carolina
13 complaints
- New York
New York
12 complaints
- Florida
Florida
11 complaints
- Georgia 9
Georgia
9 complaints
- Ohio 8
Ohio
8 complaints
- Virginia 7
Virginia
7 complaints
Frequently Asked Questions
What is the most common complaint against Cawley & Bergmann, LLP? ▼
The most common issue consumers report about Cawley & Bergmann, LLP is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 182 complaints filed with the CFPB.
Are complaints against Cawley & Bergmann, LLP increasing or decreasing? ▼
Complaints against Cawley & Bergmann, LLP are falling. The company received 24 complaints in the last 12 months, showing improvement over prior periods.
What is Cawley & Bergmann, LLP's reputation grade? ▼
Cawley & Bergmann, LLP has a reputation grade of D (score: 57.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Cawley & Bergmann, LLP respond to consumer complaints? ▼
Cawley & Bergmann, LLP has a 92% timely response rate to CFPB complaints. Consumers disputed the company's response in 15% of cases.
In how many states does Cawley & Bergmann, LLP operate? ▼
Cawley & Bergmann, LLP has received CFPB complaints from consumers in 35 states, with the most complaints from California (26 complaints).
What can I do if Cawley & Bergmann, LLP 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 Cawley & Bergmann, LLP 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 |