What is the most common complaint against LJ Ross Associates?

The most common issue consumers report about LJ Ross Associates is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,975 complaints filed with the CFPB.

Are complaints against LJ Ross Associates increasing or decreasing?

Complaints against LJ Ross Associates are rising. The company received 721 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is LJ Ross Associates's reputation grade?

LJ Ross Associates has a reputation grade of D (score: 52.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does LJ Ross Associates respond to consumer complaints?

LJ Ross Associates has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 23% of cases.

In how many states does LJ Ross Associates operate?

LJ Ross Associates has received CFPB complaints from consumers in 45 states, with the most complaints from Michigan (331 complaints).

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

LJ Ross Associates - Debt Collector Complaint Profile

CFPB complaint profile across 45 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

995
Written notification about debt

384
False statements or representation

223
Took or threatened to take negative or legal action

194
Communication tactics

67
Cont'd attempts collect debt not owed

44

Data updated September 2026

CFPB complaint disposition

CCDB record lj-ross-associates LJ Ross Associates

Grade D · 1,975 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #84 · compose #3784

VOL 1,975
GRADE D
12MO 721
STATES 45
TIMELY 100%
DISPUTE 23%
ISSUE Attempts to collect debt n…
RANK #84
COMPOSE #3,784

Volume peers

Nearest volume peer: AmeriCollect (1,970 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

LJ Ross Associates's 1,975 CFPB complaints sit next to AmeriCollect on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Steady monthly series

Michigan is the plurality state for LJ Ross Associates (16.8%)

Volume rank #84 and composite rank #3,784 diverge by 3,700 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Michigan 16.8%; Mid-band (15–30%) · 45 states with ≥1 filing
Even monthly load: Peak under 8%; Highest month 2024-10 at 6.9% (10 filings)
Divergent corpus ranks: #84 volume; #3,784 composite; Cleanest-composite ladder is 3,700 places worse than volume

How does LJ Ross Associates compare to its peers?

How does LJ Ross Associates compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

LJ Ross Associates National average

Complaints (last 12 mo)lower is better

721

256

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

23%

26%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-08 2025-08

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	995
Written notification about debt	384
False statements or representation	223
Took or threatened to take negative or legal action	194
Communication tactics	67
Cont'd attempts collect debt not owed	44
Disclosure verification of debt	26
Threatened to contact someone or share information improperly	18
Electronic communications	18
Improper contact or sharing of info	6

Where do complaints against LJ Ross Associates come from?

LJ Ross Associates's own per-state count, not a national baseline.

Michigan

331
Illinois

265
Florida

199
Maryland

138
Wisconsin

116
Pennsylvania

109
Texas

95
New York

89

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for LJ Ross Associates: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 1,975.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.88789237668162%.

4 peers

Know your rights before responding to LJ Ross Associates: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.