Total CFPB complaints
49
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 49 complaints
Gragil Associates, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 8 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Gragil Associates, Inc.
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
16 complaints
- Written notification about debt
Written notification about debt
8 complaints
- Disclosure verification of debt
Disclosure verification of debt
7 complaints
- Attempts to collect debt not owed 6
Attempts to collect debt not owed
6 complaints
- Communication tactics 5
Communication tactics
5 complaints
- False statements or representation 3
False statements or representation
3 complaints
F
Grade F · 46.4/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Gragil Associates, Inc.?
Gragil Associates, Inc. has accumulated 49 total CFPB complaints across 8 states, with 0 filed in the most recent 12 months against 49 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 "Cont'd attempts collect debt not owed", narrowing to "Debt was paid", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 47% timely-response rate against a 15% 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 8 states, led by Massachusetts with 24 and New Hampshire with 12, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 46.4/100 places Gragil Associates, Inc. in grade band F, 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
8
Distinct state filings
Timely response rate
47%
Within CFPB SLA window
Consumer disputes
15%
After company response
Reputation grade
F
46.4/100 composite
Response-quality profile
How Gragil Associates, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 46.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 30.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 14.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Gragil Associates, Inc. compare to its peers?
Gragil Associates, Inc… 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)
2015-10 2022-08
Top Consumer Issues
Cont'd attempts collect debt not owed16 (%)
Disclosure verification of debt7 (%)
Attempts to collect debt not owed6 (%)
Written notification about debt8 (%)
False statements or representation3 (%)
Communication tactics5 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt was paid
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt was paid | 10 |
| Disclosure verification of debt | Not given enough info to verify debt | 7 |
| Attempts to collect debt not owed | Debt is not yours | 6 |
| Cont'd attempts collect debt not owed | Debt is not mine | 6 |
| Written notification about debt | Didn't receive enough information to verify debt | 6 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Communication tactics | Frequent or repeated calls | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Communication tactics | Used obscene, profane, or other abusive language | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against Gragil Associates, Inc. come from?
The states where consumers have filed the most CFPB complaints against Gragil Associates, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Gragil Associates, Inc.
Across 8 states with at least one filing
- Massachusetts
Massachusetts
24 complaints
- New Hampshire
New Hampshire
12 complaints
- Vermont 8
Vermont
8 complaints
- Montana 1
Montana
1 complaints
- Minnesota 1
Minnesota
1 complaints
- New York 1
New York
1 complaints
- Florida 1
Florida
1 complaints
- Maine 1
Maine
1 complaints
Frequently Asked Questions
What is the most common complaint against Gragil Associates, Inc.? ▼
The most common issue consumers report about Gragil Associates, Inc. is "Cont'd attempts collect debt not owed", specifically "Debt was paid". This is based on 49 complaints filed with the CFPB.
Are complaints against Gragil Associates, Inc. increasing or decreasing? ▼
Complaints against Gragil Associates, Inc. have been stable. The company received 0 complaints in the last 12 months.
What is Gragil Associates, Inc.'s reputation grade? ▼
Gragil Associates, Inc. has a reputation grade of F (score: 46.4/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Gragil Associates, Inc. respond to consumer complaints? ▼
Gragil Associates, Inc. has a 47% timely response rate to CFPB complaints. Consumers disputed the company's response in 15% of cases.
In how many states does Gragil Associates, Inc. operate? ▼
Gragil Associates, Inc. has received CFPB complaints from consumers in 8 states, with the most complaints from Massachusetts (24 complaints).
What can I do if Gragil Associates, Inc. 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 Gragil Associates, Inc. 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 |