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

CFPB complaint data Grade F 67 complaints

Future Judgement Solutions - Debt Collector Complaint Profile

CFPB complaint profile across 29 states, reputation grade F.

Complaints by issue type

What consumers report about Future Judgement Solutions

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 35.2/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: Future Judgement Solutions ranks ahead of 1% of the 5,283 collectors PlainCollector grades - 99% keep a cleaner CFPB record, on 67 all-time complaints and a 43% timely-response rate.

1st pct
reputation rank of 5,283 graded collectors
67
CFPB complaints, all-time
43%
answered inside the CFPB window
22
in the last 12 months (rising)

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 Future Judgement Solutions?

Future Judgement Solutions has accumulated 67 total CFPB complaints across 29 states, with 22 filed in the most recent 12 months against 45 historical complaints before that window. The trailing-12-month volume represents 32.8% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened to sue you for very old debt". The company posts a 43% timely-response rate.

Complaints have been recorded across 29 states, led by Florida with 8 and New York with 6. Normalized against the full CFPB collector database, the reputation score of 35.2/100 places Future Judgement Solutions in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

67

low-volume (CCDB)

Last 12 months

22

32.8% of all-time complaints

Rising ↑

States active

29

multi-region footprint

Timely response rate

43%

below sla band

Reputation grade

F

35.2/100 composite

How does Future Judgement Solutions's reputation rank nationally?

Reputation score vs. every graded collector

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

35 Bottom 1% higher than 1% 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%). This entry sits in this band. 40–50: 583 graded collectors (11%). Above this entry. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 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

Future Judgement Solutions versus the debt-collection vertical average.

Timely response within SLA 42.6%
Vertical avg

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

State coverage breadth 51.8%

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

How does Future Judgement Solutions compare to its peers?

How does Future Judgement Solutions compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Future Judgement Solut… National average
Complaints (last 12 mo)lower is better
22
9
268
Timely-response ratehigher is better
43%
95%
91%
Consumer-dispute ratelower is better
0%
75%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-03 2025-07

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 38
Attempts to collect debt not owed - 13
Communication tactics - 7
False statements or representation - 3
Threatened to contact someone or share information improperly - 3
Written notification about debt - 2
Electronic communications - 1

Where do complaints against Future Judgement Solutions come from?

Future Judgement Solutions's own per-state count, not a national baseline.

Top states by complaints against Future Judgement Solutions

Across 29 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Future Judgement Solutions contacts you

A grade of F signals how Future Judgement Solutions'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 Future Judgement Solutions 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 Future Judgement Solutions 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 Future Judgement Solutions? ▼

The most common issue consumers report about Future Judgement Solutions is "Took or threatened to take negative or legal action", specifically "Threatened to sue you for very old debt". This is based on 67 complaints filed with the CFPB.

Are complaints against Future Judgement Solutions increasing or decreasing? ▼

Complaints against Future Judgement Solutions are rising. The company received 22 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Future Judgement Solutions's reputation grade? ▼

Future Judgement Solutions has a reputation grade of F (score: 35.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Future Judgement Solutions respond to consumer complaints? ▼

Future Judgement Solutions has a 43% timely response rate to CFPB complaints.

In how many states does Future Judgement Solutions operate? ▼

Future Judgement Solutions has received CFPB complaints from consumers in 29 states, with the most complaints from Florida (8 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.