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

CFPB complaint data Grade C 41 complaints

Guardian Capital Management Hawaii, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade C.

Complaints by issue type

What consumers report about Guardian Capital Management Hawaii, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 61.4/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

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

The verdict

A reputation grade of C: Guardian Capital Management Hawaii, LLC ranks ahead of 47% of the 5,283 collectors PlainCollector grades - 53% keep a cleaner CFPB record, on 41 all-time complaints and a 89% timely-response rate.

47th pct
reputation rank of 5,283 graded collectors
41
CFPB complaints, all-time
89%
answered inside the CFPB window
11
in the last 12 months (stable)

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 Guardian Capital Management Hawaii, LLC?

Guardian Capital Management Hawaii, LLC has accumulated 41 total CFPB complaints across 7 states, with 11 filed in the most recent 12 months against 30 historical complaints before that window. The trailing-12-month volume represents 26.8% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 89% timely-response rate against a 20% consumer-dispute-after-response rate.

Complaints have been recorded across 7 states, led by Hawaii with 28 and California with 4. Normalized against the full CFPB collector database, the reputation score of 61.4/100 places Guardian Capital Management Hawaii, LLC in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

41

low-volume (CCDB)

Last 12 months

11

26.8% of all-time complaints

Stable →

States active

7

regional footprint

Timely response rate

89%

acceptable band

Consumer disputes

20%

elevated (vertical avg ~19%)

Reputation grade

C

61.4/100 composite

How does Guardian Capital Management Hawaii, LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

61 47th percentile higher than 47% 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%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 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

Guardian Capital Management Hawaii, LLC versus the debt-collection vertical average.

Timely response within SLA 88.9%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 20.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 12.5%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
GUARDIAN CAPITAL MANAG… National average
Complaints (last 12 mo)lower is better
11
0
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 Sub-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.

Top states by complaints against Guardian Capital Management Hawaii, LLC

Across 7 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Guardian Capital Management Hawaii, LLC contacts you

A grade of C signals how Guardian Capital Management Hawaii, LLC'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 Guardian Capital Management Hawaii, LLC 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 Guardian Capital Management Hawaii, LLC 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 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: 61.4/100), 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).

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.