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

CFPB complaint data Grade D 56 complaints

Jana Ferrell & Associates LLC - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade D.

Complaints by issue type

What consumers report about Jana Ferrell & Associates LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 52.3/100 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: Jana Ferrell & Associates LLC ranks ahead of 19% of the 5,283 collectors PlainCollector grades - 81% keep a cleaner CFPB record, on 56 all-time complaints and a 85% timely-response rate.

19th pct
reputation rank of 5,283 graded collectors
56
CFPB complaints, all-time
85%
answered inside the CFPB window
11
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 Jana Ferrell & Associates LLC?

Jana Ferrell & Associates LLC has accumulated 56 total CFPB complaints across 6 states, with 11 filed in the most recent 12 months against 45 historical complaints before that window. The trailing-12-month volume represents 19.6% 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 85% timely-response rate against a 43% consumer-dispute-after-response rate.

Complaints have been recorded across 6 states, led by Oklahoma with 43 and Texas with 9. Normalized against the full CFPB collector database, the reputation score of 52.3/100 places Jana Ferrell & Associates LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

56

low-volume (CCDB)

Last 12 months

11

19.6% of all-time complaints

Stable →

States active

6

regional footprint

Timely response rate

85%

acceptable band

Consumer disputes

43%

high (vertical avg ~19%)

Reputation grade

D

52.3/100 composite

How does Jana Ferrell & Associates LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

52 Bottom 19% higher than 19% 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

Jana Ferrell & Associates LLC versus the debt-collection vertical average.

Timely response within SLA 84.6%
Vertical avg

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

Consumer dispute rate (post-response) 42.9%
Vertical avg

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

State coverage breadth 10.7%

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

How does Jana Ferrell & Associates LLC compare to its peers?

How does Jana Ferrell & Associates LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Jana Ferrell & Associa… National average
Complaints (last 12 mo)lower is better
11
0
268
Timely-response ratehigher is better
85%
92%
91%
Consumer-dispute ratelower is better
43%
19%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-07 2014-12

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 20
Took or threatened to take negative or legal action - 12
Written notification about debt - 9
False statements or representation - 5
Communication tactics - 3
Cont'd attempts collect debt not owed - 3
Disclosure verification of debt - 3
Threatened to contact someone or share information improperly - 1

Where do complaints against Jana Ferrell & Associates LLC come from?

Jana Ferrell & Associates LLC's own per-state count, not a national baseline.

Top states by complaints against Jana Ferrell & Associates LLC

Across 6 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Jana Ferrell & Associates LLC contacts you

A grade of D signals how Jana Ferrell & Associates LLC'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 Jana Ferrell & Associates LLC 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 Jana Ferrell & Associates LLC 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 Jana Ferrell & Associates LLC? ▼

The most common issue consumers report about Jana Ferrell & Associates LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 56 complaints filed with the CFPB.

Are complaints against Jana Ferrell & Associates LLC increasing or decreasing? ▼

Complaints against Jana Ferrell & Associates LLC have been stable. The company received 11 complaints in the last 12 months.

What is Jana Ferrell & Associates LLC's reputation grade? ▼

Jana Ferrell & Associates LLC has a reputation grade of D (score: 52.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Jana Ferrell & Associates LLC respond to consumer complaints? ▼

Jana Ferrell & Associates LLC has a 85% timely response rate to CFPB complaints. Consumers disputed the company's response in 43% of cases.

In how many states does Jana Ferrell & Associates LLC operate? ▼

Jana Ferrell & Associates LLC has received CFPB complaints from consumers in 6 states, with the most complaints from Oklahoma (43 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.