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

CFPB complaint data Grade C 394 complaints

Herbert P. Sears Co., Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 25 states, reputation grade C.

Complaints by issue type

What consumers report about Herbert P. Sears Co., Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record herbert-p-sears-co-inc Herbert P. Sears Co., Inc.

Grade C · 394 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #326 · compose #37

  • VOL 394
  • GRADE C
  • 12MO 106
  • STATES 25
  • TIMELY 100%
  • DISPUTE 9%
  • ISSUE Attempts to collect debt n…
  • RANK #326
  • COMPOSE #37

Volume peers

Nearest volume peer: American First Finance, Inc. (392 complaints)

Financial Credit Network IncFinancial Credit Network Inc388American First Finance, Inc.American First Finance, Inc.392Herbert P. Sears Co., Inc. (this)Herbert P. Sears Co., Inc. (…394Hunt & HenriquesHunt & Henriques400National Collection Systems, Inc.National Collection Systems,…400
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Herbert P. Sears Co., Inc.'s 394 CFPB complaints sit next to American First Finance, Inc. 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 →

How the 394 complaints break down

Every complaint issue type on record for Herbert P. Sears Co., Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
57.3/100
Herbert P. Sears Co., Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
394
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
9%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

50.0% of Herbert P. Sears Co., Inc.'s CFPB filings land in California

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
California 50.0%
197 of 394 filings · 25 states touched
Seasonal peak
2025-10 14.7%
8–15% band · 11 filings
Corpus ranks
#326 volume
#37 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Herbert P. Sears Co., Inc. compare to its peers?

How does Herbert P. Sears Co., Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Herbert P. Sears Co., Inc. National average
Complaints (last 12 mo)lower is better
106
92
268
Timely-response ratehigher is better
100%
99%
91%
Consumer-dispute ratelower is better
9%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Herbert P. Sears Co., Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 97%98%99%100%101% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Herbert P. Sears Co., Inc. vs. 8 similar-volume peers, by response speed and dispute rate Herbert P. Sears Co., Inc.National Collection Systems, Inc.Hunt & HenriquesFinancial Credit Network IncFinancial Recovery Services, Inc.USCB CorporationAmerican Profit Recovery, Inc., Marlborough, MA BranchSpecialized Loan Servicing Holdings LLCRozlin Financial Group, Inc.
Source: CFPB Consumer Complaint Database

Herbert P. Sears Co., Inc.'s complaint volume in context

Herbert P. Sears Co., Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

394 Top 6% higher than 94% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Herbert P. Sears Co., Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2023-09 2026-01

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
150
Written notification about debt
60
Took or threatened to take negative or legal action
52
False statements or representation
46
Cont'd attempts collect debt not owed
36
Communication tactics
28
Disclosure verification of debt
13
Improper contact or sharing of info
4
Threatened to contact someone or share information improperly
3
Electronic communications
1

Where do complaints against Herbert P. Sears Co., Inc. come from?

Herbert P. Sears Co., Inc.'s own per-state count, not a national baseline.

Top states by complaints against Herbert P. Sears Co., Inc.

Across 25 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Herbert P. Sears Co., Inc.: 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: 394.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.72451790633609%.

4 peers

Know your rights before responding to Herbert P. Sears Co., Inc.: 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.