Total CFPB complaints
10
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 10 complaints
Law Office of Charles G. McCarthy Jr. & Assoc. — Debt Collector Complaint Profile
CFPB complaint profile across 8 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Law Office of Charles G. McCarthy Jr. & Assoc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Communication tactics
Communication tactics
2 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
1 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
1 complaints
- False statements or representation
False statements or representation
1 complaints
C
Grade C · 64.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Law Office of Charles G. McCarthy Jr. & Assoc.?
Law Office of Charles G. McCarthy Jr. & Assoc. has accumulated 10 total CFPB complaints across 8 states, with 0 filed in the most recent 12 months against 10 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Taking/threatening an illegal action", narrowing to "Threatened to sue on too old debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 60% timely-response rate against a 0% 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 8 states, led by Tennessee with 2 and California with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.3/100 places Law Office of Charles G. McCarthy Jr. & Assoc. 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
0
0.0% of total history
Stable →
States active
8
Distinct state filings
Timely response rate
60%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
64.3/100 composite
Response-quality profile
How Law Office of Charles G. McCarthy Jr. & Assoc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 60.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 14.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Law Office of Charles G. McCarthy Jr. & Assoc. compare to its peers?
Law Office of Charles … 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)
2016-05 2020-01
Top Consumer Issues
Taking/threatening an illegal action1 (%)
Attempts to collect debt not owed2 (%)
Cont'd attempts collect debt not owed1 (%)
False statements or representation1 (%)
Took or threatened to take negative or legal action2 (%)
Communication tactics2 (%)
Written notification about debt1 (%)
Most common issue: Taking/threatening an illegal action — Threatened to sue on too old 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 |
|---|---|---|
| Taking/threatening an illegal action | Threatened to sue on too old debt | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| False statements or representation | Indicated committed crime not paying | 1 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
| Communication tactics | Used obscene/profane/abusive language | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against Law Office of Charles G. McCarthy Jr. & Assoc. come from?
The states where consumers have filed the most CFPB complaints against Law Office of Charles G. McCarthy Jr. & Assoc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Law Office of Charles G. McCarthy Jr. & Assoc.
Across 8 states with at least one filing
- Tennessee
Tennessee
2 complaints
- California
California
2 complaints
- Florida
Florida
1 complaints
- Kentucky
Kentucky
1 complaints
- Missouri
Missouri
1 complaints
- South Carolina
South Carolina
1 complaints
- Pennsylvania
Pennsylvania
1 complaints
- New York
New York
1 complaints
Frequently Asked Questions
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 "Taking/threatening an illegal action", 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. have been stable. The company received 0 complaints in the last 12 months.
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: 64.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 Tennessee (2 complaints).
What can I do if Law Office of Charles G. McCarthy Jr. & Assoc. 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 Law Office of Charles G. McCarthy Jr. & Assoc. 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 |