Total CFPB complaints
34
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 34 complaints
Law Office of J.A. Cambece — Debt Collector Complaint Profile
CFPB complaint profile across 16 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 J.A. Cambece
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
6 complaints
- Communication tactics
Communication tactics
5 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
3 complaints
- Taking/threatening an illegal action 2
Taking/threatening an illegal action
2 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
- False statements or representation 2
False statements or representation
2 complaints
D
Grade D · 57.5/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Law Office of J.A. Cambece?
Law Office of J.A. Cambece has accumulated 34 total CFPB complaints across 16 states, with 0 filed in the most recent 12 months against 34 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 85% timely-response rate against a 32% 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 16 states, led by Massachusetts with 13 and California with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.5/100 places Law Office of J.A. Cambece 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
0
0.0% of total history
Stable →
States active
16
Distinct state filings
Timely response rate
85%
Within CFPB SLA window
Consumer disputes
32%
After company response
Reputation grade
D
57.5/100 composite
Response-quality profile
How Law Office of J.A. Cambece performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 85.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 63.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 28.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Law Office of J.A. Cambece compare to its peers?
Law Office of J.A. Cam… 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)
2014-03 2022-06
Top Consumer Issues
Cont'd attempts collect debt not owed6 (%)
Took or threatened to take negative or legal action3 (%)
Communication tactics5 (%)
Taking/threatening an illegal action2 (%)
Written notification about debt2 (%)
False statements or representation2 (%)
Attempts to collect debt not owed2 (%)
Disclosure verification of debt2 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Communication tactics | Frequent or repeated calls | 3 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 2 |
| Communication tactics | Called after sent written cease of comm | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
Where do complaints against Law Office of J.A. Cambece come from?
The states where consumers have filed the most CFPB complaints against Law Office of J.A. Cambece. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Law Office of J.A. Cambece
Across 16 states with at least one filing
- Massachusetts
Massachusetts
13 complaints
- California 3
California
3 complaints
- Maine 3
Maine
3 complaints
- Florida 2
Florida
2 complaints
- Virginia 2
Virginia
2 complaints
- New Hampshire 1
New Hampshire
1 complaints
- Oregon 1
Oregon
1 complaints
- Missouri 1
Missouri
1 complaints
Frequently Asked Questions
What is the most common complaint against Law Office of J.A. Cambece? ▼
The most common issue consumers report about Law Office of J.A. Cambece is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 34 complaints filed with the CFPB.
Are complaints against Law Office of J.A. Cambece increasing or decreasing? ▼
Complaints against Law Office of J.A. Cambece have been stable. The company received 0 complaints in the last 12 months.
What is Law Office of J.A. Cambece's reputation grade? ▼
Law Office of J.A. Cambece has a reputation grade of D (score: 57.5/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Law Office of J.A. Cambece respond to consumer complaints? ▼
Law Office of J.A. Cambece has a 85% timely response rate to CFPB complaints. Consumers disputed the company's response in 32% of cases.
In how many states does Law Office of J.A. Cambece operate? ▼
Law Office of J.A. Cambece has received CFPB complaints from consumers in 16 states, with the most complaints from Massachusetts (13 complaints).
What can I do if Law Office of J.A. Cambece 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 J.A. Cambece 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 |