Total CFPB complaints
522
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 522 complaints
Law Office of Michael J. Scott, PC — Debt Collector Complaint Profile
CFPB complaint profile across 15 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 Michael J. Scott, PC
- Attempts to collect debt not owed
Attempts to collect debt not owed
135 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
131 complaints
- Written notification about debt
Written notification about debt
66 complaints
- False statements or representation 48
False statements or representation
48 complaints
- Communication tactics 14
Communication tactics
14 complaints
D
Grade D · 53.8/100 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 Michael J. Scott, PC?
Law Office of Michael J. Scott, PC has accumulated 522 total CFPB complaints across 15 states, with 148 filed in the most recent 12 months against 374 historical complaints before that window. The trailing-12-month volume represents 28.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 30% 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 15 states, led by Texas with 294 and California with 54, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.8/100 places Law Office of Michael J. Scott, PC 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
148
28.4% of total history
Rising ↑
States active
15
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
30%
After company response
Reputation grade
D
53.8/100 composite
Response-quality profile
How Law Office of Michael J. Scott, PC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 60.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 26.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Law Office of Michael J. Scott, PC compare to its peers?
Law Office of Michael … 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed135 (%)
Took or threatened to take negative or legal action131 (%)
False statements or representation48 (%)
Written notification about debt66 (%)
Communication tactics14 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 68 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 61 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 51 |
| Attempts to collect debt not owed | Debt was result of identity theft | 49 |
| False statements or representation | Attempted to collect wrong amount | 48 |
| Written notification about debt | Didn't receive enough information to verify debt | 48 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 19 |
| Written notification about debt | Didn't receive notice of right to dispute | 18 |
| Attempts to collect debt not owed | Debt was paid | 18 |
| Communication tactics | Frequent or repeated calls | 14 |
Where do complaints against Law Office of Michael J. Scott, PC come from?
The states where consumers have filed the most CFPB complaints against Law Office of Michael J. Scott, PC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Law Office of Michael J. Scott, PC
Across 15 states with at least one filing
- Texas
Texas
294 complaints
- California 54
California
54 complaints
- Virginia 54
Virginia
54 complaints
- South Carolina 34
South Carolina
34 complaints
- Alabama 28
Alabama
28 complaints
- Pennsylvania 26
Pennsylvania
26 complaints
- Tennessee 12
Tennessee
12 complaints
- Maryland 5
Maryland
5 complaints
Frequently Asked Questions
What is the most common complaint against Law Office of Michael J. Scott, PC? ▼
The most common issue consumers report about Law Office of Michael J. Scott, PC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 522 complaints filed with the CFPB.
Are complaints against Law Office of Michael J. Scott, PC increasing or decreasing? ▼
Complaints against Law Office of Michael J. Scott, PC are rising. The company received 148 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Law Office of Michael J. Scott, PC's reputation grade? ▼
Law Office of Michael J. Scott, PC has a reputation grade of D (score: 53.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Law Office of Michael J. Scott, PC respond to consumer complaints? ▼
Law Office of Michael J. Scott, PC has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 30% of cases.
In how many states does Law Office of Michael J. Scott, PC operate? ▼
Law Office of Michael J. Scott, PC has received CFPB complaints from consumers in 15 states, with the most complaints from Texas (294 complaints).
What can I do if Law Office of Michael J. Scott, PC 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 Michael J. Scott, PC 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 |