Total CFPB complaints
26
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 26 complaints
Law Office of Joe Pezzuto, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 10 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 Joe Pezzuto, LLC
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
10 complaints
- Disclosure verification of debt
Disclosure verification of debt
5 complaints
- Communication tactics 3
Communication tactics
3 complaints
- Improper contact or sharing of info 2
Improper contact or sharing of info
2 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
C
Grade C · 64.9/100 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 Joe Pezzuto, LLC?
Law Office of Joe Pezzuto, LLC has accumulated 26 total CFPB complaints across 10 states, with 0 filed in the most recent 12 months against 26 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 96% timely-response rate against a 23% 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 10 states, led by California with 6 and Minnesota with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.9/100 places Law Office of Joe Pezzuto, LLC 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
10
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
23%
After company response
Reputation grade
C
64.9/100 composite
Response-quality profile
How Law Office of Joe Pezzuto, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 46.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 17.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Law Office of Joe Pezzuto, LLC compare to its peers?
Law Office of Joe Pezz… 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)
2013-08 2016-03
Top Consumer Issues
Cont'd attempts collect debt not owed10 (%)
Disclosure verification of debt5 (%)
Improper contact or sharing of info2 (%)
Communication tactics3 (%)
Taking/threatening an illegal action1 (%)
False statements or representation1 (%)
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 | 7 |
| Disclosure verification of debt | Not given enough info to verify debt | 4 |
| Cont'd attempts collect debt not owed | Debt was paid | 3 |
| Improper contact or sharing of info | Talked to a third party about my debt | 2 |
| Communication tactics | Used obscene/profane/abusive language | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Taking/threatening an illegal action | Attempted to/Collected exempt funds | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Communication tactics | Threatened to take legal action | 1 |
Where do complaints against Law Office of Joe Pezzuto, LLC come from?
The states where consumers have filed the most CFPB complaints against Law Office of Joe Pezzuto, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Law Office of Joe Pezzuto, LLC
Across 10 states with at least one filing
- California
California
6 complaints
- Minnesota
Minnesota
5 complaints
- Arizona
Arizona
5 complaints
- Texas 2
Texas
2 complaints
- Virginia 2
Virginia
2 complaints
- Michigan 1
Michigan
1 complaints
- Georgia 1
Georgia
1 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
Frequently Asked Questions
What is the most common complaint against Law Office of Joe Pezzuto, LLC? ▼
The most common issue consumers report about Law Office of Joe Pezzuto, LLC is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 26 complaints filed with the CFPB.
Are complaints against Law Office of Joe Pezzuto, LLC increasing or decreasing? ▼
Complaints against Law Office of Joe Pezzuto, LLC have been stable. The company received 0 complaints in the last 12 months.
What is Law Office of Joe Pezzuto, LLC's reputation grade? ▼
Law Office of Joe Pezzuto, LLC has a reputation grade of C (score: 64.9/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Law Office of Joe Pezzuto, LLC respond to consumer complaints? ▼
Law Office of Joe Pezzuto, LLC has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 23% of cases.
In how many states does Law Office of Joe Pezzuto, LLC operate? ▼
Law Office of Joe Pezzuto, LLC has received CFPB complaints from consumers in 10 states, with the most complaints from California (6 complaints).
What can I do if Law Office of Joe Pezzuto, LLC 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 Joe Pezzuto, LLC 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 |