What is the most common complaint against Gary A. Smiley Assoc.?

The most common issue consumers report about Gary A. Smiley Assoc. is "Took or threatened to take negative or legal action", specifically "Threatened to sue you for very old debt". This is based on 1 complaints filed with the CFPB.

Are complaints against Gary A. Smiley Assoc. increasing or decreasing?

Complaints against Gary A. Smiley Assoc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Gary A. Smiley Assoc.'s reputation grade?

Gary A. Smiley Assoc. has a reputation grade of A (score: 80.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Gary A. Smiley Assoc. respond to consumer complaints?

Gary A. Smiley Assoc. has a 100% timely response rate to CFPB complaints.

In how many states does Gary A. Smiley Assoc. operate?

Gary A. Smiley Assoc. has received CFPB complaints from consumers in 1 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.

Gary A. Smiley Assoc. - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade A.

Compiled by PlainCollector

Took or threatened to take negative or legal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record gary-a-smiley-assoc Gary A. Smiley Assoc.

Grade A · 1 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #4798 · compose #432

VOL 1
GRADE A
12MO 0
STATES 1
TIMELY 100%
ISSUE Took or threatened to take…
RANK #4,798
COMPOSE #432

Volume peers

Nearest volume peer: 245 Holdings LLC (1 complaints)

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

Gary A. Smiley Assoc.'s 1 CFPB complaints sit next to 245 Holdings LLC 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 →

State-heavy filing map

100.0% of Gary A. Smiley Assoc.'s CFPB filings land in Illinois

High volume does not equal a clean composite: Gary A. Smiley Assoc. is volume #4,798 but composite #432, while Illinois dominates the geography. Corpus placement method.

Dominant state: Illinois 100.0%; 1 of 1 filings · 1 states touched
Spike month: 2020-03 100.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #4,798 volume; #432 composite; Cleanest-composite ladder is 4,366 places better than volume

How does Gary A. Smiley Assoc. compare to its peers?

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

Gary A. Smiley Assoc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-03 2020-03

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	1

Where do complaints against Gary A. Smiley Assoc. come from?

Gary A. Smiley Assoc.'s own per-state count, not a national baseline.

Illinois

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Gary A. Smiley Assoc.: 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: 1.

4 peers

Know your rights before responding to Gary A. Smiley Assoc.: 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.