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

CFPB complaint data Grade B 6 complaints

Cochren Bailey & Associates, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade B.

Complaints by issue type

What consumers report about Cochren Bailey & Associates, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 70.4/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

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

The verdict

A reputation grade of B: Cochren Bailey & Associates, LLC ranks ahead of 69% of the 5,283 collectors PlainCollector grades - 31% keep a cleaner CFPB record, on 6 all-time complaints and a 67% timely-response rate.

69th pct
reputation rank of 5,283 graded collectors
6
CFPB complaints, all-time
67%
answered inside the CFPB window
1
in the last 12 months (falling)

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 Cochren Bailey & Associates, LLC?

Cochren Bailey & Associates, LLC has accumulated 6 total CFPB complaints across 5 states, with 1 filed in the most recent 12 months against 5 historical complaints before that window. The trailing-12-month volume represents 16.7% 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 "False statements or representation", narrowing to "Indicated committed crime not paying". The company posts a 67% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 5 states, led by Texas with 2 and Alabama with 1. Normalized against the full CFPB collector database, the reputation score of 70.4/100 places Cochren Bailey & Associates, LLC in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

6

low-volume (CCDB)

Last 12 months

1

16.7% of all-time complaints

Falling ↓

States active

5

regional footprint

Timely response rate

67%

below sla band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

B

70.4/100 composite

How does Cochren Bailey & Associates, LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

70 69th percentile higher than 69% 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%). Below this entry. 60–70: 1,364 graded collectors (26%). Below this entry. 70–80: 871 graded collectors (16%). This entry sits in this band. 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

Cochren Bailey & Associates, LLC versus the debt-collection vertical average.

Timely response within SLA 66.7%
Vertical avg

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

Consumer dispute rate (post-response) 0.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 8.9%

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

How does Cochren Bailey & Associates, LLC compare to its peers?

How does Cochren Bailey & Associates, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Cochren Bailey & Assoc… National average
Complaints (last 12 mo)lower is better
1
3
268
Timely-response ratehigher is better
67%
25%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-02 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
False statements or representation - 3
Took or threatened to take negative or legal action - 1
Cont'd attempts collect debt not owed - 1
Improper contact or sharing of info - 1

Where do complaints against Cochren Bailey & Associates, LLC come from?

Cochren Bailey & Associates, LLC's own per-state count, not a national baseline.

Top states by complaints against Cochren Bailey & Associates, LLC

Across 5 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Cochren Bailey & Associates, LLC contacts you

A grade of B signals how Cochren Bailey & Associates, 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 Cochren Bailey & Associates, 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 Cochren Bailey & Associates, 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 Cochren Bailey & Associates, LLC? ▼

The most common issue consumers report about Cochren Bailey & Associates, LLC is "False statements or representation", specifically "Indicated committed crime not paying". This is based on 6 complaints filed with the CFPB.

Are complaints against Cochren Bailey & Associates, LLC increasing or decreasing? ▼

Complaints against Cochren Bailey & Associates, LLC are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is Cochren Bailey & Associates, LLC's reputation grade? ▼

Cochren Bailey & Associates, LLC has a reputation grade of B (score: 70.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Cochren Bailey & Associates, LLC respond to consumer complaints? ▼

Cochren Bailey & Associates, LLC has a 67% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Cochren Bailey & Associates, LLC operate? ▼

Cochren Bailey & Associates, LLC has received CFPB complaints from consumers in 5 states, with the most complaints from Texas (2 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.