What is the most common complaint against Garrett Firm?

The most common issue consumers report about Garrett Firm is "False statements or representation", specifically "Impersonated an attorney or official". This is based on 4 complaints filed with the CFPB.

Are complaints against Garrett Firm increasing or decreasing?

Complaints against Garrett Firm are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Garrett Firm's reputation grade?

Garrett Firm has a reputation grade of A (score: 74.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Garrett Firm respond to consumer complaints?

Garrett Firm has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.

In how many states does Garrett Firm operate?

Garrett Firm has received CFPB complaints from consumers in 4 states, with the most complaints from Illinois (1 complaints).

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

Garrett Firm - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade A.

Compiled by PlainCollector

False statements or representation

3
Taking/threatening an illegal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record garrett-firm Garrett Firm

Grade A · 4 CFPB filings · 100% timely · lead issue: False statements or representation · vol #3383 · compose #858

VOL 4
GRADE A
12MO 0
STATES 4
TIMELY 100%
DISPUTE 25%
ISSUE False statements or repres…
RANK #3,383
COMPOSE #858

Volume peers

Nearest volume peer: 90 Day Credit Experts (4 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Garrett Firm's 4 CFPB complaints sit next to 90 Day Credit Experts on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Spiky monthly series

Illinois is the plurality state for Garrett Firm (25.0%)

The 2014-07 spike coincides with a 2,525-place gap between volume rank #3,383 and composite #858. Corpus placement method.

Plurality state: Illinois 25.0%; Mid-band (15–30%) · 4 states with ≥1 filing
Spike month: 2014-07 27.3%; 3 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,383 volume; #858 composite; Cleanest-composite ladder is 2,525 places better than volume

How does Garrett Firm compare to its peers?

How does GARRETT FIRM compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

GARRETT FIRM National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

25%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-02 2023-04

Issue Detail Breakdown

Issue	Complaints
False statements or representation	3
Taking/threatening an illegal action	1

Where do complaints against Garrett Firm come from?

Garrett Firm's own per-state count, not a national baseline.

Illinois

1
Iowa

1
Kentucky

1
Maryland

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Garrett Firm: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 4.

4 peers

Know your rights before responding to Garrett Firm: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.