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

CFPB complaint data Grade D 12 complaints

Gaba LAW Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade D.

Complaints by issue type

What consumers report about Gaba LAW Corporation

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 53.0/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: Gaba LAW Corporation ranks ahead of 21% of the 5,283 collectors PlainCollector grades - 79% keep a cleaner CFPB record, on 12 all-time complaints and a 58% timely-response rate.

21st pct
reputation rank of 5,283 graded collectors
12
CFPB complaints, all-time
58%
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 Gaba LAW Corporation?

Gaba LAW Corporation has accumulated 12 total CFPB complaints across 4 states, with 1 filed in the most recent 12 months against 11 historical complaints before that window. The trailing-12-month volume represents 8.3% 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 "Attempted to collect wrong amount". The company posts a 58% timely-response rate against a 38% consumer-dispute-after-response rate.

Complaints have been recorded across 4 states, led by California with 8 and Alabama with 1. Normalized against the full CFPB collector database, the reputation score of 53.0/100 places Gaba LAW Corporation in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

12

low-volume (CCDB)

Last 12 months

1

8.3% of all-time complaints

Falling ↓

States active

4

limited footprint

Timely response rate

58%

below sla band

Consumer disputes

38%

high (vertical avg ~19%)

Reputation grade

D

53.0/100 composite

How does Gaba LAW Corporation's reputation rank nationally?

Reputation score vs. every graded collector

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

53 Bottom 21% higher than 21% 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%). This entry sits in this band. 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

Gaba LAW Corporation versus the debt-collection vertical average.

Timely response within SLA 58.3%
Vertical avg

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

Consumer dispute rate (post-response) 37.5%
Vertical avg

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

State coverage breadth 7.1%

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

How does Gaba LAW Corporation compare to its peers?

How does GABA LAW CORPORATION compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
GABA LAW CORPORATION National average
Complaints (last 12 mo)lower is better
1
6
268
Timely-response ratehigher is better
58%
89%
91%
Consumer-dispute ratelower is better
38%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-08 2018-12

Issue Detail Breakdown

Issue Sub-Issue Complaints
False statements or representation - 3
Taking/threatening an illegal action - 3
Written notification about debt - 2
Cont'd attempts collect debt not owed - 2
Attempts to collect debt not owed - 1
Communication tactics - 1

Where do complaints against Gaba LAW Corporation come from?

Gaba LAW Corporation's own per-state count, not a national baseline.

Top states by complaints against Gaba LAW Corporation

Across 4 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Gaba LAW Corporation contacts you

A grade of D signals how Gaba LAW Corporation'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 Gaba LAW Corporation 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 Gaba LAW Corporation 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 Gaba LAW Corporation? ▼

The most common issue consumers report about Gaba LAW Corporation is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 12 complaints filed with the CFPB.

Are complaints against Gaba LAW Corporation increasing or decreasing? ▼

Complaints against Gaba LAW Corporation are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is Gaba LAW Corporation's reputation grade? ▼

Gaba LAW Corporation has a reputation grade of D (score: 53.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Gaba LAW Corporation respond to consumer complaints? ▼

Gaba LAW Corporation has a 58% timely response rate to CFPB complaints. Consumers disputed the company's response in 38% of cases.

In how many states does Gaba LAW Corporation operate? ▼

Gaba LAW Corporation has received CFPB complaints from consumers in 4 states, with the most complaints from California (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.