Total CFPB complaints
493
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 493 complaints
Frost-Arnett Company — Debt Collector Complaint Profile
CFPB complaint profile across 42 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Frost-Arnett Company
- Attempts to collect debt not owed
Attempts to collect debt not owed
165 complaints
- Written notification about debt
Written notification about debt
88 complaints
- False statements or representation 57
False statements or representation
57 complaints
- Communication tactics 52
Communication tactics
52 complaints
- Cont'd attempts collect debt not owed 31
Cont'd attempts collect debt not owed
31 complaints
- Electronic communications 16
Electronic communications
16 complaints
D
Grade D · 57.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Frost-Arnett Company?
Frost-Arnett Company has accumulated 493 total CFPB complaints across 42 states, with 81 filed in the most recent 12 months against 412 historical complaints before that window. The trailing-12-month volume represents 16.4% 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 "Attempts to collect debt not owed", narrowing to "Debt was paid", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 16% 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 42 states, led by Tennessee with 67 and Texas with 59, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.1/100 places Frost-Arnett Company 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
81
16.4% of total history
Rising ↑
States active
42
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
16%
After company response
Reputation grade
D
57.1/100 composite
Response-quality profile
How Frost-Arnett Company performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 32.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 75.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Frost-Arnett Company compare to its peers?
Frost-Arnett Company 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed165 (%)
Written notification about debt88 (%)
False statements or representation57 (%)
Communication tactics52 (%)
Cont'd attempts collect debt not owed31 (%)
Electronic communications16 (%)
Most common issue: Attempts to collect debt not owed — Debt was paid
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 was paid | 93 |
| Written notification about debt | Didn't receive enough information to verify debt | 73 |
| Attempts to collect debt not owed | Debt is not yours | 72 |
| False statements or representation | Attempted to collect wrong amount | 57 |
| Communication tactics | Frequent or repeated calls | 33 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 19 |
| Cont'd attempts collect debt not owed | Debt is not mine | 18 |
| Electronic communications | Frequent or repeated messages | 16 |
| Written notification about debt | Didn't receive notice of right to dispute | 15 |
| Cont'd attempts collect debt not owed | Debt was paid | 13 |
Where do complaints against Frost-Arnett Company come from?
The states where consumers have filed the most CFPB complaints against Frost-Arnett Company. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Frost-Arnett Company
Across 42 states with at least one filing
- Tennessee
Tennessee
67 complaints
- Texas
Texas
59 complaints
- Florida
Florida
57 complaints
- Georgia
Georgia
57 complaints
- North Carolina 19
North Carolina
19 complaints
- Virginia 19
Virginia
19 complaints
- Ohio 17
Ohio
17 complaints
- Wisconsin 13
Wisconsin
13 complaints
Frequently Asked Questions
What is the most common complaint against Frost-Arnett Company? ▼
The most common issue consumers report about Frost-Arnett Company is "Attempts to collect debt not owed", specifically "Debt was paid". This is based on 493 complaints filed with the CFPB.
Are complaints against Frost-Arnett Company increasing or decreasing? ▼
Complaints against Frost-Arnett Company are rising. The company received 81 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Frost-Arnett Company's reputation grade? ▼
Frost-Arnett Company has a reputation grade of D (score: 57.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Frost-Arnett Company respond to consumer complaints? ▼
Frost-Arnett Company has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 16% of cases.
In how many states does Frost-Arnett Company operate? ▼
Frost-Arnett Company has received CFPB complaints from consumers in 42 states, with the most complaints from Tennessee (67 complaints).
What can I do if Frost-Arnett Company 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 Frost-Arnett Company 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 |