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

CFPB complaint data Grade B 43 complaints

L.B.Gray LLC A Debt Collection Agency - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade B.

Complaints by issue type

What consumers report about L.B.Gray LLC A Debt Collection Agency

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 69.5/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

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

The verdict

A reputation grade of B: L.B.Gray LLC A Debt Collection Agency ranks ahead of 68% of the 5,283 collectors PlainCollector grades - 32% keep a cleaner CFPB record, on 43 all-time complaints and a 100% timely-response rate.

68th pct
reputation rank of 5,283 graded collectors
43
CFPB complaints, all-time
100%
answered inside the CFPB window
15
in the last 12 months (rising)

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 L.B.Gray LLC A Debt Collection Agency?

L.B.Gray LLC A Debt Collection Agency has accumulated 43 total CFPB complaints across 12 states, with 15 filed in the most recent 12 months against 28 historical complaints before that window. The trailing-12-month volume represents 34.9% 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". The company posts a 100% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 12 states, led by Indiana with 21 and Florida with 5. Normalized against the full CFPB collector database, the reputation score of 69.5/100 places L.B.Gray LLC A Debt Collection Agency in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

43

low-volume (CCDB)

Last 12 months

15

34.9% of all-time complaints

Rising ↑

States active

12

regional footprint

Timely response rate

100%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

B

69.5/100 composite

How does L.B.Gray LLC A Debt Collection Agency's reputation rank nationally?

Reputation score vs. every graded collector

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

70 68th percentile higher than 68% 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%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 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

L.B.Gray LLC A Debt Collection Agency versus the debt-collection vertical average.

Timely response within SLA 100.0%
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 21.4%

Share of US states + territories with at least one filed complaint against this collector.

How does L.B.Gray LLC A Debt Collection Agency compare to its peers?

How does L.B.Gray LLC A Debt Collection Agency compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
L.B.Gray LLC A Debt Co… National average
Complaints (last 12 mo)lower is better
15
0
268
Timely-response ratehigher is better
100%
19%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-06 2025-12

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 16
Written notification about debt - 8
False statements or representation - 8
Took or threatened to take negative or legal action - 7
Disclosure verification of debt - 2
Communication tactics - 1
Cont'd attempts collect debt not owed - 1

Where do complaints against L.B.Gray LLC A Debt Collection Agency come from?

L.B.Gray LLC A Debt Collection Agency's own per-state count, not a national baseline.

Top states by complaints against L.B.Gray LLC A Debt Collection Agency

Across 12 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if L.B.Gray LLC A Debt Collection Agency contacts you

A grade of B signals how L.B.Gray LLC A Debt Collection Agency'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 L.B.Gray LLC A Debt Collection Agency 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 L.B.Gray LLC A Debt Collection Agency 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 L.B.Gray LLC A Debt Collection Agency? ▼

The most common issue consumers report about L.B.Gray LLC A Debt Collection Agency is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 43 complaints filed with the CFPB.

Are complaints against L.B.Gray LLC A Debt Collection Agency increasing or decreasing? ▼

Complaints against L.B.Gray LLC A Debt Collection Agency are rising. The company received 15 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is L.B.Gray LLC A Debt Collection Agency's reputation grade? ▼

L.B.Gray LLC A Debt Collection Agency has a reputation grade of B (score: 69.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does L.B.Gray LLC A Debt Collection Agency respond to consumer complaints? ▼

L.B.Gray LLC A Debt Collection Agency has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does L.B.Gray LLC A Debt Collection Agency operate? ▼

L.B.Gray LLC A Debt Collection Agency has received CFPB complaints from consumers in 12 states, with the most complaints from Indiana (21 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.