Total CFPB complaints
15
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 15 complaints
Garner & Conner, PLLC — 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 Garner & Conner, PLLC
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
3 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- False statements or representation
False statements or representation
3 complaints
- Written notification about debt
Written notification about debt
3 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
C
Grade C · 61.1/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Garner & Conner, PLLC?
Garner & Conner, PLLC has accumulated 15 total CFPB complaints across 3 states, with 2 filed in the most recent 12 months against 13 historical complaints before that window. The trailing-12-month volume represents 13.3% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened to sue you for very old debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 93% timely-response rate against a 50% 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 Tennessee with 12 and Nevada with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.1/100 places Garner & Conner, PLLC 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
2
13.3% of total history
Stable →
States active
3
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
50%
After company response
Reputation grade
C
61.1/100 composite
Response-quality profile
How Garner & Conner, PLLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 93.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 100.0%
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 Garner & Conner, PLLC compare to its peers?
Garner & Conner, PLLC 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)
2016-02 2025-05
Top Consumer Issues
Took or threatened to take negative or legal action2 (%)
Cont'd attempts collect debt not owed3 (%)
Attempts to collect debt not owed3 (%)
False statements or representation3 (%)
Written notification about debt3 (%)
Taking/threatening an illegal action1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened to sue you for very old 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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
Where do complaints against Garner & Conner, PLLC come from?
The states where consumers have filed the most CFPB complaints against Garner & Conner, PLLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Garner & Conner, PLLC
Across 3 states with at least one filing
- Tennessee
Tennessee
12 complaints
- Nevada 2
Nevada
2 complaints
- Florida 1
Florida
1 complaints
Frequently Asked Questions
What is the most common complaint against Garner & Conner, PLLC? ▼
The most common issue consumers report about Garner & Conner, PLLC is "Took or threatened to take negative or legal action", specifically "Threatened to sue you for very old debt". This is based on 15 complaints filed with the CFPB.
Are complaints against Garner & Conner, PLLC increasing or decreasing? ▼
Complaints against Garner & Conner, PLLC have been stable. The company received 2 complaints in the last 12 months.
What is Garner & Conner, PLLC's reputation grade? ▼
Garner & Conner, PLLC has a reputation grade of C (score: 61.1/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Garner & Conner, PLLC respond to consumer complaints? ▼
Garner & Conner, PLLC has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 50% of cases.
In how many states does Garner & Conner, PLLC operate? ▼
Garner & Conner, PLLC has received CFPB complaints from consumers in 3 states, with the most complaints from Tennessee (12 complaints).
What can I do if Garner & Conner, PLLC 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 Garner & Conner, PLLC 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 |