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

CFPB complaint data Grade D 34 complaints

Law Office of J.A. Cambece - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade D.

Complaints by issue type

What consumers report about Law Office of J.A. Cambece

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 57.5/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Law Office of J.A. Cambece ranks ahead of 33% of the 5,283 collectors PlainCollector grades - 67% keep a cleaner CFPB record, on 34 all-time complaints and a 85% timely-response rate.

33rd pct
reputation rank of 5,283 graded collectors
34
CFPB complaints, all-time
85%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

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 falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine". The company posts a 85% timely-response rate against a 32% consumer-dispute-after-response rate.

Complaints have been recorded across 16 states, led by Massachusetts with 13 and California with 3. 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.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

34

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

16

regional footprint

Timely response rate

85%

acceptable band

Consumer disputes

32%

high (vertical avg ~19%)

Reputation grade

D

57.5/100 composite

How does Law Office of J.A. Cambece's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

58 33rd percentile higher than 33% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Law Office of J.A. Cambece versus the debt-collection vertical average.

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) 31.8%
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?

How does Law Office of J.A. Cambece compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Law Office of J.A. Cam… National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
85%
100%
91%
Consumer-dispute ratelower is better
32%
44%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-08 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Cont'd attempts collect debt not owed - 6
Attempts to collect debt not owed - 5
Communication tactics - 5
Took or threatened to take negative or legal action - 4
Improper contact or sharing of info - 4
Taking/threatening an illegal action - 3
Written notification about debt - 2
False statements or representation - 2
Disclosure verification of debt - 2
Threatened to contact someone or share information improperly - 1

Where do complaints against Law Office of J.A. Cambece come from?

Law Office of J.A. Cambece's own per-state count, not a national baseline.

Top states by complaints against Law Office of J.A. Cambece

Across 16 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Law Office of J.A. Cambece contacts you

A grade of D signals how Law Office of J.A. Cambece's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Law Office of J.A. Cambece and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Law Office of J.A. Cambece ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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).

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

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.