Total CFPB complaints
4
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 4 complaints
GARRETT FIRM — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about GARRETT FIRM
- False statements or representation
False statements or representation
3 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
A
Grade A · 79.0/100 composite
This collector has an excellent complaint record — very few complaints relative to its size, with high response rates.
What do CFPB complaints reveal about GARRETT FIRM?
GARRETT FIRM has accumulated 4 total CFPB complaints across 4 states, with 0 filed in the most recent 12 months against 4 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "False statements or representation", narrowing to "Impersonated an attorney or official", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 25% 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 4 states, led by Maryland with 1 and Kentucky with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 79.0/100 places GARRETT FIRM in grade band A, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
4
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
25%
After company response
Reputation grade
A
79.0/100 composite
Response-quality profile
How GARRETT FIRM performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 50.0%
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 GARRETT FIRM compare to its peers?
GARRETT FIRM 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)
2014-01 2014-08
Top Consumer Issues
False statements or representation3 (%)
Taking/threatening an illegal action1 (%)
Most common issue: False statements or representation — Impersonated an attorney or official
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 |
|---|---|---|
| False statements or representation | Impersonated an attorney or official | 2 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 1 |
| False statements or representation | Indicated committed crime not paying | 1 |
Where do complaints against GARRETT FIRM come from?
The states where consumers have filed the most CFPB complaints against GARRETT FIRM. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against GARRETT FIRM
Across 4 states with at least one filing
- Maryland
Maryland
1 complaints
- Kentucky
Kentucky
1 complaints
- Illinois
Illinois
1 complaints
- Iowa
Iowa
1 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is GARRETT FIRM's reputation grade? ▼
GARRETT FIRM has a reputation grade of A (score: 79.0/100). This collector has an excellent complaint record — very few complaints relative to its size, with high response rates.
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 Maryland (1 complaints).
What can I do if GARRETT FIRM 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 GARRETT FIRM 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 |