Total CFPB complaints
11
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 11 complaints
Chaplin & Papa, P.C. — 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 Chaplin & Papa, P.C.
- False statements or representation
False statements or representation
3 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
3 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- Written notification about debt
Written notification about debt
2 complaints
- Communication tactics 1
Communication tactics
1 complaints
C
Grade C · 64.9/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Chaplin & Papa, P.C.?
Chaplin & Papa, P.C. has accumulated 11 total CFPB complaints across 3 states, with 3 filed in the most recent 12 months against 8 historical complaints before that window. The trailing-12-month volume represents 27.3% 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 "False statements or representation", narrowing to "Attempted to collect wrong amount", 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, 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 Virginia with 6 and North Carolina 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 64.9/100 places Chaplin & Papa, P.C. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
3
27.3% of total history
Rising ↑
States active
3
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
C
64.9/100 composite
Response-quality profile
How Chaplin & Papa, P.C. 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.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Chaplin & Papa, P.C. compare to its peers?
Chaplin & Papa, P.C. 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)
2017-10 2025-06
Top Consumer Issues
False statements or representation3 (%)
Took or threatened to take negative or legal action3 (%)
Attempts to collect debt not owed2 (%)
Written notification about debt2 (%)
Communication tactics1 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 3 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 2 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against Chaplin & Papa, P.C. come from?
The states where consumers have filed the most CFPB complaints against Chaplin & Papa, P.C.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Chaplin & Papa, P.C.
Across 3 states with at least one filing
- Virginia
Virginia
6 complaints
- North Carolina
North Carolina
4 complaints
- Maryland 1
Maryland
1 complaints
Frequently Asked Questions
What is the most common complaint against Chaplin & Papa, P.C.? ▼
The most common issue consumers report about Chaplin & Papa, P.C. is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 11 complaints filed with the CFPB.
Are complaints against Chaplin & Papa, P.C. increasing or decreasing? ▼
Complaints against Chaplin & Papa, P.C. are rising. The company received 3 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Chaplin & Papa, P.C.'s reputation grade? ▼
Chaplin & Papa, P.C. has a reputation grade of C (score: 64.9/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Chaplin & Papa, P.C. respond to consumer complaints? ▼
Chaplin & Papa, P.C. has a 100% timely response rate to CFPB complaints.
In how many states does Chaplin & Papa, P.C. operate? ▼
Chaplin & Papa, P.C. has received CFPB complaints from consumers in 3 states, with the most complaints from Virginia (6 complaints).
What can I do if Chaplin & Papa, P.C. 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 Chaplin & Papa, P.C. 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 |