Total CFPB complaints
41
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 41 complaints
Forster, Garbus and Garbus — 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 Forster, Garbus and Garbus
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
7 complaints
- Written notification about debt
Written notification about debt
5 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
5 complaints
- Disclosure verification of debt
Disclosure verification of debt
4 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- Communication tactics
Communication tactics
3 complaints
C
Grade C · 61.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Forster, Garbus and Garbus?
Forster, Garbus and Garbus has accumulated 41 total CFPB complaints across 3 states, with 0 filed in the most recent 12 months against 41 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 95% timely-response rate against a 25% 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 3 states, led by New Jersey with 39 and New York with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.7/100 places Forster, Garbus and Garbus 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
0
0.0% of total history
Stable →
States active
3
Distinct state filings
Timely response rate
95%
Within CFPB SLA window
Consumer disputes
25%
After company response
Reputation grade
C
61.7/100 composite
Response-quality profile
How Forster, Garbus and Garbus performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 50.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Forster, Garbus and Garbus compare to its peers?
Forster, Garbus and Ga… 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)
2014-10 2021-11
Top Consumer Issues
Written notification about debt5 (%)
Disclosure verification of debt4 (%)
Cont'd attempts collect debt not owed7 (%)
Communication tactics3 (%)
False statements or representation3 (%)
Taking/threatening an illegal action5 (%)
Took or threatened to take negative or legal action4 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| Disclosure verification of debt | Not given enough info to verify debt | 4 |
| Cont'd attempts collect debt not owed | Debt is not mine | 4 |
| Communication tactics | Threatened to take legal action | 3 |
| Cont'd attempts collect debt not owed | Debt was paid | 3 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Taking/threatening an illegal action | Attempted to/Collected exempt funds | 3 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 2 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 2 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 2 |
Where do complaints against Forster, Garbus and Garbus come from?
The states where consumers have filed the most CFPB complaints against Forster, Garbus and Garbus. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Forster, Garbus and Garbus
Across 3 states with at least one filing
- New Jersey
New Jersey
39 complaints
- New York 1
New York
1 complaints
- Florida 1
Florida
1 complaints
Frequently Asked Questions
What is the most common complaint against Forster, Garbus and Garbus? ▼
The most common issue consumers report about Forster, Garbus and Garbus is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 41 complaints filed with the CFPB.
Are complaints against Forster, Garbus and Garbus increasing or decreasing? ▼
Complaints against Forster, Garbus and Garbus have been stable. The company received 0 complaints in the last 12 months.
What is Forster, Garbus and Garbus's reputation grade? ▼
Forster, Garbus and Garbus has a reputation grade of C (score: 61.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Forster, Garbus and Garbus respond to consumer complaints? ▼
Forster, Garbus and Garbus has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.
In how many states does Forster, Garbus and Garbus operate? ▼
Forster, Garbus and Garbus has received CFPB complaints from consumers in 3 states, with the most complaints from New Jersey (39 complaints).
What can I do if Forster, Garbus and Garbus 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 Forster, Garbus and Garbus 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 |