Total CFPB complaints
342
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 342 complaints
Lloyd & McDaniel, PLC — Debt Collector Complaint Profile
CFPB complaint profile across 21 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Lloyd & McDaniel, PLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
90 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
68 complaints
- Written notification about debt
Written notification about debt
60 complaints
- False statements or representation
False statements or representation
56 complaints
D
Grade D · 56.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Lloyd & McDaniel, PLC?
Lloyd & McDaniel, PLC has accumulated 342 total CFPB complaints across 21 states, with 146 filed in the most recent 12 months against 196 historical complaints before that window. The trailing-12-month volume represents 42.7% 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 99% timely-response rate against a 24% 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 21 states, led by Georgia with 76 and Florida with 64, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.2/100 places Lloyd & McDaniel, PLC 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
146
42.7% of total history
Rising ↑
States active
21
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
24%
After company response
Reputation grade
D
56.2/100 composite
Response-quality profile
How Lloyd & McDaniel, PLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 48.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 37.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Lloyd & McDaniel, PLC compare to its peers?
Lloyd & McDaniel, PLC 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed90 (%)
False statements or representation56 (%)
Written notification about debt60 (%)
Took or threatened to take negative or legal action68 (%)
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 | 45 |
| False statements or representation | Attempted to collect wrong amount | 43 |
| Written notification about debt | Didn't receive enough information to verify debt | 38 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 33 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 26 |
| Attempts to collect debt not owed | Debt was paid | 24 |
| Written notification about debt | Didn't receive notice of right to dispute | 22 |
| Attempts to collect debt not owed | Debt was result of identity theft | 21 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 13 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 9 |
Where do complaints against Lloyd & McDaniel, PLC come from?
The states where consumers have filed the most CFPB complaints against Lloyd & McDaniel, PLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Lloyd & McDaniel, PLC
Across 21 states with at least one filing
- Georgia
Georgia
76 complaints
- Florida
Florida
64 complaints
- Kentucky
Kentucky
42 complaints
- Tennessee 25
Tennessee
25 complaints
- Michigan 24
Michigan
24 complaints
- Arkansas 23
Arkansas
23 complaints
- Ohio 22
Ohio
22 complaints
- Indiana 21
Indiana
21 complaints
Frequently Asked Questions
What is the most common complaint against Lloyd & McDaniel, PLC? ▼
The most common issue consumers report about Lloyd & McDaniel, PLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 342 complaints filed with the CFPB.
Are complaints against Lloyd & McDaniel, PLC increasing or decreasing? ▼
Complaints against Lloyd & McDaniel, PLC are rising. The company received 146 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Lloyd & McDaniel, PLC's reputation grade? ▼
Lloyd & McDaniel, PLC has a reputation grade of D (score: 56.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Lloyd & McDaniel, PLC respond to consumer complaints? ▼
Lloyd & McDaniel, PLC has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 24% of cases.
In how many states does Lloyd & McDaniel, PLC operate? ▼
Lloyd & McDaniel, PLC has received CFPB complaints from consumers in 21 states, with the most complaints from Georgia (76 complaints).
What can I do if Lloyd & McDaniel, PLC 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 Lloyd & McDaniel, PLC 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 |