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

CFPB complaint data Grade D 1,975 complaints

LJ Ross Associates - Debt Collector Complaint Profile

CFPB complaint profile across 45 states, reputation grade D.

Complaints by issue type

What consumers report about LJ Ross Associates

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #284

  • VOL 1,975
  • GRADE D
  • 12MO 721
  • STATES 45
  • TIMELY 100%
  • DISPUTE 23%
  • ISSUE Attempts to collect debt n…
  • RANK #84
  • COMPOSE #284

Volume peers

Nearest volume peer: AmeriCollect (1,970 complaints)

Velocity Portfolio GroupVelocity Portfolio Group1,949HSBC North America Holdings Inc.HSBC North America Holdings …1,955Lockhart, Morris & Montgomery Inc.Lockhart, Morris & Montgomer…1,957AmeriCollectAmeriCollect1,970LJ Ross Associates (this)LJ Ross Associates (this)1,975
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 →

How the 1,975 complaints break down

Every complaint issue type on record for LJ Ross Associates, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
52.6/100
LJ Ross Associates

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
1,975
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
23%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Steady monthly series

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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)
Corpus ranks
#84 volume
#284 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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%
100%
91%
Consumer-dispute ratelower is better
23%
26%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy LJ Ross Associates a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 96%97%98%99%100%101% 10%15%20%25%30% Timely response rate (%) Dispute rate (%) LJ Ross Associates vs. 9 similar-volume peers, by response speed and dispute rate LJ Ross AssociatesAmeriCollectLockhart, Morris & Montgomery Inc.HSBC NORTH AMERICA HOLDINGS INC.Velocity Portfolio GroupBull City Financial Solutions, IncU.S. BANCORPWorld Acceptance CorporationRentDebt Automated Collections, LLCNelnet, Inc.
Source: CFPB Consumer Complaint Database

LJ Ross Associates's complaint volume in context

LJ Ross Associates vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

1,975 Top 2% higher than 98% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. LJ Ross Associates 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against LJ Ross Associates

Across 45 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.