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

CFPB complaint data Grade C 23 complaints

JMS Associates, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade C.

Complaints by issue type

What consumers report about JMS Associates, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 61.9/100 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: JMS Associates, Inc. ranks ahead of 49% of the 5,283 collectors PlainCollector grades - 51% keep a cleaner CFPB record, on 23 all-time complaints and a 83% timely-response rate.

49th pct
reputation rank of 5,283 graded collectors
23
CFPB complaints, all-time
83%
answered inside the CFPB window
1
in the last 12 months (falling)

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 JMS Associates, Inc.?

JMS Associates, Inc. has accumulated 23 total CFPB complaints across 7 states, with 1 filed in the most recent 12 months against 22 historical complaints before that window. The trailing-12-month volume represents 4.3% 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". The company posts a 83% timely-response rate against a 20% consumer-dispute-after-response rate.

Complaints have been recorded across 7 states, led by Florida with 12 and New York with 3. Normalized against the full CFPB collector database, the reputation score of 61.9/100 places JMS Associates, Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

23

low-volume (CCDB)

Last 12 months

1

4.3% of all-time complaints

Falling ↓

States active

7

regional footprint

Timely response rate

83%

acceptable band

Consumer disputes

20%

elevated (vertical avg ~19%)

Reputation grade

C

61.9/100 composite

How does JMS Associates, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

62 49th percentile higher than 49% 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

JMS Associates, Inc. versus the debt-collection vertical average.

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) 20.0%
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?

How does JMS Associates, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
JMS Associates, Inc. National average
Complaints (last 12 mo)lower is better
1
5
268
Timely-response ratehigher is better
83%
0%
91%
Consumer-dispute ratelower is better
20%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-12 2025-09

Issue Detail Breakdown

Issue Sub-Issue Complaints
Communication tactics - 12
Took or threatened to take negative or legal action - 6
Improper contact or sharing of info - 2
False statements or representation - 1
Cont'd attempts collect debt not owed - 1
Electronic communications - 1

Where do complaints against JMS Associates, Inc. come from?

JMS Associates, Inc.'s own per-state count, not a national baseline.

Top states by complaints against JMS Associates, Inc.

Across 7 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if JMS Associates, Inc. contacts you

A grade of C signals how JMS Associates, 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 JMS Associates, 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 JMS Associates, 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 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 23 complaints filed with the CFPB.

Are complaints against JMS Associates, Inc. increasing or decreasing? ▼

Complaints against JMS Associates, Inc. are falling. The company received 1 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 (12 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.