Total CFPB complaints
208
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 208 complaints
J J Marshall & Associates, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 25 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about J J Marshall & Associates, Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
80 complaints
- Written notification about debt
Written notification about debt
36 complaints
- Took or threatened to take negative or legal action 31
Took or threatened to take negative or legal action
31 complaints
- False statements or representation 26
False statements or representation
26 complaints
- Cont'd attempts collect debt not owed 8
Cont'd attempts collect debt not owed
8 complaints
- Communication tactics 4
Communication tactics
4 complaints
D
Grade D · 55.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about J J Marshall & Associates, Inc?
J J Marshall & Associates, Inc has accumulated 208 total CFPB complaints across 25 states, with 48 filed in the most recent 12 months against 160 historical complaints before that window. The trailing-12-month volume represents 23.1% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 33% 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 25 states, led by Michigan with 124 and Georgia with 16, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.0/100 places J J Marshall & Associates, Inc in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
48
23.1% of total history
Stable →
States active
25
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
D
55.0/100 composite
Response-quality profile
How J J Marshall & Associates, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 66.7%
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 J J Marshall & Associates, Inc compare to its peers?
J J Marshall & Associa… 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)
2024-02 2026-03
Top Consumer Issues
Attempts to collect debt not owed80 (%)
False statements or representation26 (%)
Written notification about debt36 (%)
Took or threatened to take negative or legal action31 (%)
Cont'd attempts collect debt not owed8 (%)
Communication tactics4 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 45 |
| False statements or representation | Attempted to collect wrong amount | 26 |
| Attempts to collect debt not owed | Debt was result of identity theft | 25 |
| Written notification about debt | Didn't receive enough information to verify debt | 24 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 24 |
| Written notification about debt | Didn't receive notice of right to dispute | 12 |
| Attempts to collect debt not owed | Debt was paid | 10 |
| Cont'd attempts collect debt not owed | Debt is not mine | 8 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 7 |
| Communication tactics | Used obscene, profane, or other abusive language | 4 |
Where do complaints against J J Marshall & Associates, Inc come from?
The states where consumers have filed the most CFPB complaints against J J Marshall & Associates, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against J J Marshall & Associates, Inc
Across 25 states with at least one filing
- Michigan
Michigan
124 complaints
- Georgia 16
Georgia
16 complaints
- South Carolina 10
South Carolina
10 complaints
- Illinois 8
Illinois
8 complaints
- Indiana 8
Indiana
8 complaints
- Texas 7
Texas
7 complaints
- Ohio 5
Ohio
5 complaints
- Florida 4
Florida
4 complaints
Frequently Asked Questions
What is the most common complaint against J J Marshall & Associates, Inc? ▼
The most common issue consumers report about J J Marshall & Associates, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 208 complaints filed with the CFPB.
Are complaints against J J Marshall & Associates, Inc increasing or decreasing? ▼
Complaints against J J Marshall & Associates, Inc have been stable. The company received 48 complaints in the last 12 months.
What is J J Marshall & Associates, Inc's reputation grade? ▼
J J Marshall & Associates, Inc has a reputation grade of D (score: 55.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does J J Marshall & Associates, Inc respond to consumer complaints? ▼
J J Marshall & Associates, Inc has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.
In how many states does J J Marshall & Associates, Inc operate? ▼
J J Marshall & Associates, Inc has received CFPB complaints from consumers in 25 states, with the most complaints from Michigan (124 complaints).
What can I do if J J Marshall & Associates, Inc 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 J J Marshall & Associates, Inc 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 |