What is the most common complaint against Law Office of Charles G. McCarthy Jr. & Assoc.?

The most common issue consumers report about Law Office of Charles G. McCarthy Jr. & Assoc. is "Attempts to collect debt not owed", specifically "Threatened to sue on too old debt". This is based on 10 complaints filed with the CFPB.

Are complaints against Law Office of Charles G. McCarthy Jr. & Assoc. increasing or decreasing?

Complaints against Law Office of Charles G. McCarthy Jr. & Assoc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Law Office of Charles G. McCarthy Jr. & Assoc.'s reputation grade?

Law Office of Charles G. McCarthy Jr. & Assoc. has a reputation grade of C (score: 60.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Law Office of Charles G. McCarthy Jr. & Assoc. respond to consumer complaints?

Law Office of Charles G. McCarthy Jr. & Assoc. has a 60% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Law Office of Charles G. McCarthy Jr. & Assoc. operate?

Law Office of Charles G. McCarthy Jr. & Assoc. has received CFPB complaints from consumers in 8 states, with the most complaints from California (2 complaints).

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

Law Office of Charles G. McCarthy Jr. & Assoc. - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

2
Took or threatened to take negative or legal action

2
Communication tactics

2
Written notification about debt

1
False statements or representation

1
Cont'd attempts collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record law-office-of-charles-g-mccarthy-jr-assoc Law Office of Charles G. McCarthy Jr. & Assoc.

Grade C · 10 CFPB filings · 60% timely · lead issue: Attempts to collect debt not owed · vol #2509 · compose #2337

VOL 10
GRADE C
12MO 0
STATES 8
TIMELY 60%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #2,509
COMPOSE #2,337

Volume peers

Nearest volume peer: 208 Capital Holdings LLC (10 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Law Office of Charles G. McCarthy Jr. & Assoc.'s 10 CFPB complaints sit next to 208 Capital Holdings LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Steady monthly series

California is the plurality state for Law Office of Charles G. McCarthy Jr. & Assoc. (20.0%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state: California 20.0%; Mid-band (15–30%) · 8 states with ≥1 filing
Even monthly load: Peak under 8%; Highest month 2015-04 at 4.8% (1 filings)
Corpus ranks: #2,509 volume; #2,337 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Law Office of Charles G. McCarthy Jr. & Assoc. compare to its peers?

How does Law Office of Charles G. McCarthy Jr. & Assoc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Law Office of Charles … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

60%

100%

91%

Consumer-dispute ratelower is better

75%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-04 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2
Took or threatened to take negative or legal action	2
Communication tactics	2
Written notification about debt	1
False statements or representation	1
Cont'd attempts collect debt not owed	1
Taking/threatening an illegal action	1

Where do complaints against Law Office of Charles G. McCarthy Jr. & Assoc. come from?

Law Office of Charles G. McCarthy Jr. & Assoc.'s own per-state count, not a national baseline.

California

2
Tennessee

2
Florida

1
Kentucky

1
Missouri

1
New York

1
Pennsylvania

1
South Carolina

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Law Office of Charles G. McCarthy Jr. & Assoc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 10.

4 peers

Know your rights before responding to Law Office of Charles G. McCarthy Jr. & Assoc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.