Total CFPB complaints
16
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 16 complaints
Joseph M. Tobin, PC — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Joseph M. Tobin, PC
- Attempts to collect debt not owed
Attempts to collect debt not owed
5 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- Written notification about debt
Written notification about debt
2 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
C
Grade C · 65.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Joseph M. Tobin, PC?
Joseph M. Tobin, PC has accumulated 16 total CFPB complaints across 2 states, with 2 filed in the most recent 12 months against 14 historical complaints before that window. The trailing-12-month volume represents 12.5% 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 100% timely-response rate against a 40% 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 2 states, led by Connecticut with 15 and Florida with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 65.4/100 places Joseph M. Tobin, PC 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
12.5% of total history
Stable →
States active
2
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
40%
After company response
Reputation grade
C
65.4/100 composite
Response-quality profile
How Joseph M. Tobin, PC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 80.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Joseph M. Tobin, PC compare to its peers?
Joseph M. Tobin, PC 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)
2014-05 2025-11
Top Consumer Issues
Attempts to collect debt not owed5 (%)
Took or threatened to take negative or legal action4 (%)
Written notification about debt2 (%)
Cont'd attempts collect debt not owed1 (%)
Communication tactics1 (%)
Disclosure verification of debt1 (%)
Taking/threatening an illegal action1 (%)
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 | 4 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 2 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Communication tactics | Called after sent written cease of comm | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 1 |
Where do complaints against Joseph M. Tobin, PC come from?
The states where consumers have filed the most CFPB complaints against Joseph M. Tobin, PC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Joseph M. Tobin, PC
Across 2 states with at least one filing
- Connecticut
Connecticut
15 complaints
- Florida 1
Florida
1 complaints
Frequently Asked Questions
What is the most common complaint against Joseph M. Tobin, PC? ▼
The most common issue consumers report about Joseph M. Tobin, PC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 16 complaints filed with the CFPB.
Are complaints against Joseph M. Tobin, PC increasing or decreasing? ▼
Complaints against Joseph M. Tobin, PC have been stable. The company received 2 complaints in the last 12 months.
What is Joseph M. Tobin, PC's reputation grade? ▼
Joseph M. Tobin, PC has a reputation grade of C (score: 65.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Joseph M. Tobin, PC respond to consumer complaints? ▼
Joseph M. Tobin, PC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 40% of cases.
In how many states does Joseph M. Tobin, PC operate? ▼
Joseph M. Tobin, PC has received CFPB complaints from consumers in 2 states, with the most complaints from Connecticut (15 complaints).
What can I do if Joseph M. Tobin, PC 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 Joseph M. Tobin, PC 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 |