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

CFPB complaint data Grade F 49 complaints

Gragil Associates, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade F.

Complaints by issue type

What consumers report about Gragil Associates, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 46.4/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Gragil Associates, Inc. ranks ahead of 9% of the 5,283 collectors PlainCollector grades - 91% keep a cleaner CFPB record, on 49 all-time complaints and a 47% timely-response rate.

9th pct
reputation rank of 5,283 graded collectors
49
CFPB complaints, all-time
47%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

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 falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt was paid". The company posts a 47% timely-response rate against a 15% consumer-dispute-after-response rate.

Complaints have been recorded across 8 states, led by Massachusetts with 24 and New Hampshire with 12. Normalized against the full CFPB collector database, the reputation score of 46.4/100 places Gragil Associates, Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

49

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

8

regional footprint

Timely response rate

47%

below sla band

Consumer disputes

15%

average (vertical avg ~19%)

Reputation grade

F

46.4/100 composite

How does Gragil Associates, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

46 Bottom 9% higher than 9% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Gragil Associates, Inc. versus the debt-collection vertical average.

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) 15.4%
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?

How does Gragil Associates, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Gragil Associates, Inc… National average
Complaints (last 12 mo)lower is better
0
18
268
Timely-response ratehigher is better
47%
100%
91%
Consumer-dispute ratelower is better
15%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-11 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Cont'd attempts collect debt not owed - 16
Written notification about debt - 8
Disclosure verification of debt - 8
Attempts to collect debt not owed - 7
Communication tactics - 6
False statements or representation - 3
Took or threatened to take negative or legal action - 1

Where do complaints against Gragil Associates, Inc. come from?

Gragil Associates, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Gragil Associates, Inc.

Across 8 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Gragil Associates, Inc. contacts you

A grade of F signals how Gragil Associates, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Gragil Associates, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Gragil Associates, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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

What is Gragil Associates, Inc.'s reputation grade? ▼

Gragil Associates, Inc. has a reputation grade of F (score: 46.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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).

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

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.