Total CFPB complaints
118
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 118 complaints
Kramer & Frank, P.C. — 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 Kramer & Frank, P.C.
- Written notification about debt
Written notification about debt
18 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
16 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
13 complaints
- False statements or representation
False statements or representation
10 complaints
- Disclosure verification of debt
Disclosure verification of debt
8 complaints
- Communication tactics 7
Communication tactics
7 complaints
D
Grade D · 56.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Kramer & Frank, P.C.?
Kramer & Frank, P.C. has accumulated 118 total CFPB complaints across 7 states, with 12 filed in the most recent 12 months against 106 historical complaints before that window. The trailing-12-month volume represents 10.2% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate against a 33% 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 Missouri with 78 and Kansas with 28, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.1/100 places Kramer & Frank, P.C. 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
12
10.2% of total history
Stable →
States active
7
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
D
56.1/100 composite
Response-quality profile
How Kramer & Frank, P.C. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 65.0%
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 Kramer & Frank, P.C. compare to its peers?
Kramer & Frank, P.C. 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)
2021-08 2025-10
Top Consumer Issues
Written notification about debt18 (%)
Attempts to collect debt not owed16 (%)
False statements or representation10 (%)
Disclosure verification of debt8 (%)
Took or threatened to take negative or legal action13 (%)
Communication tactics7 (%)
Cont'd attempts collect debt not owed5 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 11 |
| Attempts to collect debt not owed | Debt is not yours | 11 |
| False statements or representation | Attempted to collect wrong amount | 10 |
| Disclosure verification of debt | Not given enough info to verify debt | 8 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 8 |
| Written notification about debt | Didn't receive notice of right to dispute | 7 |
| Communication tactics | Frequent or repeated calls | 7 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 5 |
| Cont'd attempts collect debt not owed | Debt was paid | 5 |
| Attempts to collect debt not owed | Debt was result of identity theft | 5 |
Where do complaints against Kramer & Frank, P.C. come from?
The states where consumers have filed the most CFPB complaints against Kramer & Frank, P.C.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Kramer & Frank, P.C.
Across 7 states with at least one filing
- Missouri
Missouri
78 complaints
- Kansas 28
Kansas
28 complaints
- Arkansas 4
Arkansas
4 complaints
- Illinois 4
Illinois
4 complaints
- New Jersey 1
New Jersey
1 complaints
- Alabama 1
Alabama
1 complaints
- Maryland 1
Maryland
1 complaints
Frequently Asked Questions
What is the most common complaint against Kramer & Frank, P.C.? ▼
The most common issue consumers report about Kramer & Frank, P.C. is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 118 complaints filed with the CFPB.
Are complaints against Kramer & Frank, P.C. increasing or decreasing? ▼
Complaints against Kramer & Frank, P.C. have been stable. The company received 12 complaints in the last 12 months.
What is Kramer & Frank, P.C.'s reputation grade? ▼
Kramer & Frank, P.C. has a reputation grade of D (score: 56.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Kramer & Frank, P.C. respond to consumer complaints? ▼
Kramer & Frank, P.C. has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.
In how many states does Kramer & Frank, P.C. operate? ▼
Kramer & Frank, P.C. has received CFPB complaints from consumers in 7 states, with the most complaints from Missouri (78 complaints).
What can I do if Kramer & Frank, P.C. 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 Kramer & Frank, P.C. 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 |