Total CFPB complaints
4
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 4 complaints
Law Offices of Michael Lupolover — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Law Offices of Michael Lupolover
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
1 complaints
- False statements or representation
False statements or representation
1 complaints
D
Grade D · 58.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Law Offices of Michael Lupolover?
Law Offices of Michael Lupolover has accumulated 4 total CFPB complaints across 4 states, with 2 filed in the most recent 12 months against 2 historical complaints before that window. The trailing-12-month volume represents 50.0% 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 "Took or threatened to take negative or legal action", narrowing to "Seized or attempted to seize your property", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 25% 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 4 states, led by Texas with 1 and Missouri with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.4/100 places Law Offices of Michael Lupolover 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
2
50.0% of total history
Rising ↑
States active
4
Distinct state filings
Timely response rate
25%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
D
58.4/100 composite
Response-quality profile
How Law Offices of Michael Lupolover performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 25.0%
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 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Law Offices of Michael Lupolover compare to its peers?
Law Offices 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)
2015-08 2025-10
Top Consumer Issues
Took or threatened to take negative or legal action2 (%)
Taking/threatening an illegal action1 (%)
False statements or representation1 (%)
Most common issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 2 |
| Taking/threatening an illegal action | Attempted to/Collected exempt funds | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
Where do complaints against Law Offices of Michael Lupolover come from?
The states where consumers have filed the most CFPB complaints against Law Offices of Michael Lupolover. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Law Offices of Michael Lupolover
Across 4 states with at least one filing
- Texas
Texas
1 complaints
- Missouri
Missouri
1 complaints
- Michigan
Michigan
1 complaints
- North Carolina
North Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against Law Offices of Michael Lupolover? ▼
The most common issue consumers report about Law Offices of Michael Lupolover is "Took or threatened to take negative or legal action", specifically "Seized or attempted to seize your property". This is based on 4 complaints filed with the CFPB.
Are complaints against Law Offices of Michael Lupolover increasing or decreasing? ▼
Complaints against Law Offices of Michael Lupolover are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Law Offices of Michael Lupolover's reputation grade? ▼
Law Offices of Michael Lupolover has a reputation grade of D (score: 58.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Law Offices of Michael Lupolover respond to consumer complaints? ▼
Law Offices of Michael Lupolover has a 25% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Law Offices of Michael Lupolover operate? ▼
Law Offices of Michael Lupolover has received CFPB complaints from consumers in 4 states, with the most complaints from Texas (1 complaints).
What can I do if Law Offices of Michael Lupolover 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 Offices of Michael Lupolover 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 |