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

CFPB complaint data Grade D 96 complaints

Guglielmo and Associates - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade D.

Complaints by issue type

What consumers report about Guglielmo and Associates

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 53.8/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: Guglielmo and Associates ranks ahead of 22% of the 5,283 collectors PlainCollector grades - 78% keep a cleaner CFPB record, on 96 all-time complaints and a 100% timely-response rate.

22nd pct
reputation rank of 5,283 graded collectors
96
CFPB complaints, all-time
100%
answered inside the CFPB window
17
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 Guglielmo and Associates?

Guglielmo and Associates has accumulated 96 total CFPB complaints across 7 states, with 17 filed in the most recent 12 months against 79 historical complaints before that window. The trailing-12-month volume represents 17.7% 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 "Took or threatened to take negative or legal action", narrowing to "Attempted to collect wrong amount". The company posts a 100% timely-response rate against a 50% consumer-dispute-after-response rate.

Complaints have been recorded across 7 states, led by Arizona with 53 and Nevada with 20. Normalized against the full CFPB collector database, the reputation score of 53.8/100 places Guglielmo and Associates in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

96

low-volume (CCDB)

Last 12 months

17

17.7% of all-time complaints

Stable →

States active

7

regional footprint

Timely response rate

100%

excellent band

Consumer disputes

50%

high (vertical avg ~19%)

Reputation grade

D

53.8/100 composite

How does Guglielmo and Associates's reputation rank nationally?

Reputation score vs. every graded collector

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

54 Bottom 22% higher than 22% 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%). This entry sits in this band. 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

Guglielmo and Associates versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

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

Consumer dispute rate (post-response) 50.0%
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 Guglielmo and Associates compare to its peers?

How does Guglielmo and Associates compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Guglielmo and Associat… National average
Complaints (last 12 mo)lower is better
17
26
268
Timely-response ratehigher is better
100%
91%
91%
Consumer-dispute ratelower is better
50%
17%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-07 2025-04

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 19
Attempts to collect debt not owed - 18
False statements or representation - 16
Communication tactics - 13
Taking/threatening an illegal action - 11
Written notification about debt - 10
Cont'd attempts collect debt not owed - 5
Disclosure verification of debt - 4

Where do complaints against Guglielmo and Associates come from?

Guglielmo and Associates's own per-state count, not a national baseline.

Top states by complaints against Guglielmo and Associates

Across 7 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Guglielmo and Associates contacts you

A grade of D signals how Guglielmo and Associates'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 Guglielmo and Associates 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 Guglielmo and Associates 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 Guglielmo and Associates? ▼

The most common issue consumers report about Guglielmo and Associates is "Took or threatened to take negative or legal action", specifically "Attempted to collect wrong amount". This is based on 96 complaints filed with the CFPB.

Are complaints against Guglielmo and Associates increasing or decreasing? ▼

Complaints against Guglielmo and Associates have been stable. The company received 17 complaints in the last 12 months.

What is Guglielmo and Associates's reputation grade? ▼

Guglielmo and Associates has a reputation grade of D (score: 53.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Guglielmo and Associates respond to consumer complaints? ▼

Guglielmo and Associates has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 50% of cases.

In how many states does Guglielmo and Associates operate? ▼

Guglielmo and Associates has received CFPB complaints from consumers in 7 states, with the most complaints from Arizona (53 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.