Total CFPB complaints
21
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 21 complaints
Hosto & Buchan, PLLC — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Hosto & Buchan, PLLC
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
4 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
3 complaints
- Disclosure verification of debt
Disclosure verification of debt
2 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
C
Grade C · 64.9/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Hosto & Buchan, PLLC?
Hosto & Buchan, PLLC has accumulated 21 total CFPB complaints across 7 states, with 1 filed in the most recent 12 months against 20 historical complaints before that window. The trailing-12-month volume represents 4.8% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened to sue you for very old debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 95% timely-response rate against a 29% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 7 states, led by Arkansas with 7 and Tennessee with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.9/100 places Hosto & Buchan, PLLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
4.8% of total history
Rising ↑
States active
7
Distinct state filings
Timely response rate
95%
Within CFPB SLA window
Consumer disputes
29%
After company response
Reputation grade
C
64.9/100 composite
Response-quality profile
How Hosto & Buchan, PLLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 57.1%
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 Hosto & Buchan, PLLC compare to its peers?
Hosto & Buchan, PLLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2013-07 2026-01
Top Consumer Issues
Took or threatened to take negative or legal action4 (%)
Taking/threatening an illegal action3 (%)
Cont'd attempts collect debt not owed4 (%)
Disclosure verification of debt2 (%)
Communication tactics1 (%)
Improper contact or sharing of info1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 2 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Took or threatened to take negative or legal action | Sued you in a state where you do not live or did not sign for the debt | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 1 |
| Communication tactics | Threatened to take legal action | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 1 |
Where do complaints against Hosto & Buchan, PLLC come from?
The states where consumers have filed the most CFPB complaints against Hosto & Buchan, PLLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Hosto & Buchan, PLLC
Across 7 states with at least one filing
- Arkansas
Arkansas
7 complaints
- Tennessee
Tennessee
7 complaints
- Texas 2
Texas
2 complaints
- North Carolina 2
North Carolina
2 complaints
- Arizona 1
Arizona
1 complaints
- Mississippi 1
Mississippi
1 complaints
- Kentucky 1
Kentucky
1 complaints
Frequently Asked Questions
What is the most common complaint against Hosto & Buchan, PLLC? ▼
The most common issue consumers report about Hosto & Buchan, PLLC is "Took or threatened to take negative or legal action", specifically "Threatened to sue you for very old debt". This is based on 21 complaints filed with the CFPB.
Are complaints against Hosto & Buchan, PLLC increasing or decreasing? ▼
Complaints against Hosto & Buchan, PLLC are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Hosto & Buchan, PLLC's reputation grade? ▼
Hosto & Buchan, PLLC has a reputation grade of C (score: 64.9/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Hosto & Buchan, PLLC respond to consumer complaints? ▼
Hosto & Buchan, PLLC has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 29% of cases.
In how many states does Hosto & Buchan, PLLC operate? ▼
Hosto & Buchan, PLLC has received CFPB complaints from consumers in 7 states, with the most complaints from Arkansas (7 complaints).
What can I do if Hosto & Buchan, PLLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Hosto & Buchan, PLLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |