Total CFPB complaints
24
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 24 complaints
JMS Associates, Inc. — 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 JMS Associates, Inc.
- Communication tactics
Communication tactics
12 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
6 complaints
- Confusing or missing disclosures 1
Confusing or missing disclosures
1 complaints
- Electronic communications 1
Electronic communications
1 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
C
Grade C · 61.9/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about JMS Associates, Inc.?
JMS Associates, Inc. has accumulated 24 total CFPB complaints across 7 states, with 2 filed in the most recent 12 months against 22 historical complaints before that window. The trailing-12-month volume represents 8.3% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Used obscene, profane, or other abusive language", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 83% timely-response rate against a 20% 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 Florida with 13 and New York with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.9/100 places JMS Associates, Inc. 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
2
8.3% of total history
Falling ↓
States active
7
Distinct state filings
Timely response rate
83%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
C
61.9/100 composite
Response-quality profile
How JMS Associates, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 83.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 40.0%
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 JMS Associates, Inc. compare to its peers?
JMS Associates, Inc. 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)
2015-04 2025-11
Top Consumer Issues
Communication tactics12 (%)
Took or threatened to take negative or legal action6 (%)
Confusing or missing disclosures1 (%)
Electronic communications1 (%)
Improper contact or sharing of info1 (%)
False statements or representation1 (%)
Most common issue: Communication tactics — Used obscene, profane, or other abusive language
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 |
|---|---|---|
| Communication tactics | Used obscene, profane, or other abusive language | 7 |
| Communication tactics | Frequent or repeated calls | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 2 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
| Confusing or missing disclosures | — | 1 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
Where do complaints against JMS Associates, Inc. come from?
The states where consumers have filed the most CFPB complaints against JMS Associates, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against JMS Associates, Inc.
Across 7 states with at least one filing
- Florida
Florida
13 complaints
- New York 3
New York
3 complaints
- Texas 3
Texas
3 complaints
- Pennsylvania 2
Pennsylvania
2 complaints
- Georgia 1
Georgia
1 complaints
- Virginia 1
Virginia
1 complaints
- Kentucky 1
Kentucky
1 complaints
Frequently Asked Questions
What is the most common complaint against JMS Associates, Inc.? ▼
The most common issue consumers report about JMS Associates, Inc. is "Communication tactics", specifically "Used obscene, profane, or other abusive language". This is based on 24 complaints filed with the CFPB.
Are complaints against JMS Associates, Inc. increasing or decreasing? ▼
Complaints against JMS Associates, Inc. are falling. The company received 2 complaints in the last 12 months, showing improvement over prior periods.
What is JMS Associates, Inc.'s reputation grade? ▼
JMS Associates, Inc. has a reputation grade of C (score: 61.9/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does JMS Associates, Inc. respond to consumer complaints? ▼
JMS Associates, Inc. has a 83% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.
In how many states does JMS Associates, Inc. operate? ▼
JMS Associates, Inc. has received CFPB complaints from consumers in 7 states, with the most complaints from Florida (13 complaints).
What can I do if JMS 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 JMS 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 |