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

Data updated July 2026

C

Grade C · 60.1/100 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: Herbert P. Sears Co., Inc. ranks ahead of 43% of the 5,283 collectors PlainCollector grades - 57% keep a cleaner CFPB record, on 394 all-time complaints and a 100% timely-response rate.

43rd pct
reputation rank of 5,283 graded collectors
394
CFPB complaints, all-time
100%
answered inside the CFPB window
106
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 Herbert P. Sears Co., Inc.?

Herbert P. Sears Co., Inc. has accumulated 394 total CFPB complaints across 25 states, with 106 filed in the most recent 12 months against 288 historical complaints before that window. The trailing-12-month volume represents 26.9% 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 100% timely-response rate against a 9% consumer-dispute-after-response rate.

Complaints have been recorded across 25 states, led by California with 197 and Texas with 80. Normalized against the full CFPB collector database, the reputation score of 60.1/100 places Herbert P. Sears Co., Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

394

mid-volume (CCDB)

Last 12 months

106

26.9% of all-time complaints

Stable →

States active

25

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

9%

low (vertical avg ~19%)

Reputation grade

C

60.1/100 composite

How does Herbert P. Sears Co., Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

60 43rd percentile higher than 43% 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

Herbert P. Sears Co., Inc. versus the debt-collection vertical average.

Timely response within SLA 99.7%
Vertical avg

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

Consumer dispute rate (post-response) 9.0%
Vertical avg

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

State coverage breadth 44.6%

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

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, drawn from 10 collectors with a comparable complaint count
Herbert P. Sears Co., … 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.

Complaint Trend (24 months)

2023-09 2026-01

Issue Detail Breakdown

Issue Sub-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

What to do if Herbert P. Sears Co., Inc. contacts you

A grade of C signals how Herbert P. Sears Co., 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 Herbert P. Sears Co., 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 Herbert P. Sears Co., 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 Herbert P. Sears Co., Inc.? ▼

The most common issue consumers report about Herbert P. Sears Co., Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 394 complaints filed with the CFPB.

Are complaints against Herbert P. Sears Co., Inc. increasing or decreasing? ▼

Complaints against Herbert P. Sears Co., Inc. have been stable. The company received 106 complaints in the last 12 months.

What is Herbert P. Sears Co., Inc.'s reputation grade? ▼

Herbert P. Sears Co., Inc. has a reputation grade of C (score: 60.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Herbert P. Sears Co., Inc. respond to consumer complaints? ▼

Herbert P. Sears Co., Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 9% of cases.

In how many states does Herbert P. Sears Co., Inc. operate? ▼

Herbert P. Sears Co., Inc. has received CFPB complaints from consumers in 25 states, with the most complaints from California (197 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.