Total CFPB complaints
42
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 42 complaints
L.B.Gray LLC A Debt Collection Agency — Debt Collector Complaint Profile
CFPB complaint profile across 12 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about L.B.Gray LLC A Debt Collection Agency
- Attempts to collect debt not owed
Attempts to collect debt not owed
16 complaints
- Written notification about debt
Written notification about debt
7 complaints
- False statements or representation 6
False statements or representation
6 complaints
- Took or threatened to take negative or legal action 4
Took or threatened to take negative or legal action
4 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
- Communication tactics 1
Communication tactics
1 complaints
B
Grade B · 69.5/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about L.B.Gray LLC A Debt Collection Agency?
L.B.Gray LLC A Debt Collection Agency has accumulated 42 total CFPB complaints across 12 states, with 13 filed in the most recent 12 months against 29 historical complaints before that window. The trailing-12-month volume represents 31.0% 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 "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 100% 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 12 states, led by Indiana with 20 and Florida 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 69.5/100 places L.B.Gray LLC A Debt Collection Agency in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
13
31.0% of total history
Rising ↑
States active
12
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
69.5/100 composite
Response-quality profile
How L.B.Gray LLC A Debt Collection Agency performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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?
L.B.Gray LLC A Debt Co… 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)
2019-06 2026-03
Top Consumer Issues
Attempts to collect debt not owed16 (%)
False statements or representation6 (%)
Written notification about debt7 (%)
Took or threatened to take negative or legal action4 (%)
Disclosure verification of debt2 (%)
Communication tactics1 (%)
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 | 10 |
| False statements or representation | Attempted to collect wrong amount | 6 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against L.B.Gray LLC A Debt Collection Agency come from?
The states where consumers have filed the most CFPB complaints against L.B.Gray LLC A Debt Collection Agency. Every figure is the company's own complaint count in that state — 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
- Indiana
Indiana
20 complaints
- Florida 5
Florida
5 complaints
- Kentucky 3
Kentucky
3 complaints
- Georgia 3
Georgia
3 complaints
- Idaho 2
Idaho
2 complaints
- Michigan 2
Michigan
2 complaints
- Ohio 2
Ohio
2 complaints
- Virginia 1
Virginia
1 complaints
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 42 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 13 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). This collector has a good complaint record with relatively few complaints and responsive customer service.
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 (20 complaints).
What can I do if L.B.Gray LLC A Debt Collection Agency 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 L.B.Gray LLC A Debt Collection Agency 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 |