Total CFPB complaints
852
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 852 complaints
Kimball, Tirey & St. John LLP — Debt Collector Complaint Profile
CFPB complaint profile across 38 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Kimball, Tirey & St. John LLP
- Attempts to collect debt not owed
Attempts to collect debt not owed
337 complaints
- False statements or representation
False statements or representation
157 complaints
- Written notification about debt 131
Written notification about debt
131 complaints
- Took or threatened to take negative or legal action 85
Took or threatened to take negative or legal action
85 complaints
- Cont'd attempts collect debt not owed 27
Cont'd attempts collect debt not owed
27 complaints
- Disclosure verification of debt 17
Disclosure verification of debt
17 complaints
D
Grade D · 55.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Kimball, Tirey & St. John LLP?
Kimball, Tirey & St. John LLP has accumulated 852 total CFPB complaints across 38 states, with 306 filed in the most recent 12 months against 546 historical complaints before that window. The trailing-12-month volume represents 35.9% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 96% timely-response rate against a 19% 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 38 states, led by California with 633 and Texas with 29, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.2/100 places Kimball, Tirey & St. John LLP 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
306
35.9% of total history
Rising ↑
States active
38
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
19%
After company response
Reputation grade
D
55.2/100 composite
Response-quality profile
How Kimball, Tirey & St. John LLP performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 38.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 67.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Kimball, Tirey & St. John LLP compare to its peers?
Kimball, Tirey & St. J… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed337 (%)
False statements or representation157 (%)
Written notification about debt131 (%)
Took or threatened to take negative or legal action85 (%)
Cont'd attempts collect debt not owed27 (%)
Disclosure verification of debt17 (%)
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 | 197 |
| False statements or representation | Attempted to collect wrong amount | 145 |
| Written notification about debt | Didn't receive enough information to verify debt | 88 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 85 |
| Attempts to collect debt not owed | Debt was result of identity theft | 78 |
| Attempts to collect debt not owed | Debt was paid | 62 |
| Written notification about debt | Didn't receive notice of right to dispute | 43 |
| Cont'd attempts collect debt not owed | Debt is not mine | 27 |
| Disclosure verification of debt | Not given enough info to verify debt | 17 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 12 |
Where do complaints against Kimball, Tirey & St. John LLP come from?
The states where consumers have filed the most CFPB complaints against Kimball, Tirey & St. John LLP. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Kimball, Tirey & St. John LLP
Across 38 states with at least one filing
- California
California
633 complaints
- Texas 29
Texas
29 complaints
- Arizona 20
Arizona
20 complaints
- Nevada 19
Nevada
19 complaints
- Florida 12
Florida
12 complaints
- New York 12
New York
12 complaints
- Georgia 12
Georgia
12 complaints
- Virginia 11
Virginia
11 complaints
Frequently Asked Questions
What is the most common complaint against Kimball, Tirey & St. John LLP? ▼
The most common issue consumers report about Kimball, Tirey & St. John LLP is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 852 complaints filed with the CFPB.
Are complaints against Kimball, Tirey & St. John LLP increasing or decreasing? ▼
Complaints against Kimball, Tirey & St. John LLP are rising. The company received 306 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Kimball, Tirey & St. John LLP's reputation grade? ▼
Kimball, Tirey & St. John LLP has a reputation grade of D (score: 55.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Kimball, Tirey & St. John LLP respond to consumer complaints? ▼
Kimball, Tirey & St. John LLP has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 19% of cases.
In how many states does Kimball, Tirey & St. John LLP operate? ▼
Kimball, Tirey & St. John LLP has received CFPB complaints from consumers in 38 states, with the most complaints from California (633 complaints).
What can I do if Kimball, Tirey & St. John LLP 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 Kimball, Tirey & St. John LLP 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 |