What is the most common complaint against Guardian Capital Management Hawaii, LLC?

The most common issue consumers report about Guardian Capital Management Hawaii, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 41 complaints filed with the CFPB.

Are complaints against Guardian Capital Management Hawaii, LLC increasing or decreasing?

Complaints against Guardian Capital Management Hawaii, LLC have been stable. The company received 11 complaints in the last 12 months.

What is Guardian Capital Management Hawaii, LLC's reputation grade?

Guardian Capital Management Hawaii, LLC has a reputation grade of C (score: 57.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Guardian Capital Management Hawaii, LLC respond to consumer complaints?

Guardian Capital Management Hawaii, LLC has a 89% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.

In how many states does Guardian Capital Management Hawaii, LLC operate?

Guardian Capital Management Hawaii, LLC has received CFPB complaints from consumers in 7 states, with the most complaints from Hawaii (28 complaints).

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

Guardian Capital Management Hawaii, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

15
Written notification about debt

11
Took or threatened to take negative or legal action

4
False statements or representation

4
Cont'd attempts collect debt not owed

3
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record guardian-capital-management-hawaii-llc Guardian Capital Management Hawaii, LLC

Grade C · 41 CFPB filings · 89% timely · lead issue: Attempts to collect debt not owed · vol #1323 · compose #2823

VOL 41
GRADE C
12MO 11
STATES 7
TIMELY 89%
DISPUTE 20%
ISSUE Attempts to collect debt n…
RANK #1,323
COMPOSE #2,823

Volume peers

Nearest volume peer: First Horizon Bank (41 complaints)

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

Guardian Capital Management Hawaii, LLC's 41 CFPB complaints sit next to First Horizon Bank 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

68.3% of Guardian Capital Management Hawaii, LLC's CFPB filings land in Hawaii

High volume does not equal a clean composite: Guardian Capital Management Hawaii, LLC is volume #1,323 but composite #2,823, while Hawaii dominates the geography. Corpus placement method.

Dominant state: Hawaii 68.3%; 28 of 41 filings · 7 states touched
Seasonal peak: 2023-04 14.3%; 8–15% band · 6 filings
Divergent corpus ranks: #1,323 volume; #2,823 composite; Cleanest-composite ladder is 1,500 places worse than volume

How does Guardian Capital Management Hawaii, LLC compare to its peers?

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

GUARDIAN CAPITAL MANAG… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

89%

95%

91%

Consumer-dispute ratelower is better

20%

25%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-03 2026-01

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	15
Written notification about debt	11
Took or threatened to take negative or legal action	4
False statements or representation	4
Cont'd attempts collect debt not owed	3
Communication tactics	1
Disclosure verification of debt	1
Threatened to contact someone or share information improperly	1
Improper contact or sharing of info	1

Where do complaints against Guardian Capital Management Hawaii, LLC come from?

Guardian Capital Management Hawaii, LLC's own per-state count, not a national baseline.

Hawaii

28
California

4
Nevada

3
Texas

2
Alabama

1
Colorado

1
Florida

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Guardian Capital Management Hawaii, LLC: 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: 41.

4 peers

Know your rights before responding to Guardian Capital Management Hawaii, LLC: 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.