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

CFPB complaint data Grade F 14 complaints

Lockhart Mediation Services - Debt Collector Complaint Profile

CFPB complaint profile across 9 states, reputation grade F.

Complaints by issue type

What consumers report about Lockhart Mediation Services

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 51.4/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: Lockhart Mediation Services ranks ahead of 17% of the 5,283 collectors PlainCollector grades - 83% keep a cleaner CFPB record, on 14 all-time complaints and a 42% timely-response rate.

17th pct
reputation rank of 5,283 graded collectors
14
CFPB complaints, all-time
42%
answered inside the CFPB window
6
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 Lockhart Mediation Services?

Lockhart Mediation Services has accumulated 14 total CFPB complaints across 9 states, with 6 filed in the most recent 12 months against 8 historical complaints before that window. The trailing-12-month volume represents 42.9% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened arrest/jail if do not pay". The company posts a 42% timely-response rate against a 20% consumer-dispute-after-response rate.

Complaints have been recorded across 9 states, led by Texas with 4 and Florida with 2. Normalized against the full CFPB collector database, the reputation score of 51.4/100 places Lockhart Mediation Services in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

14

low-volume (CCDB)

Last 12 months

6

42.9% of all-time complaints

Rising ↑

States active

9

regional footprint

Timely response rate

42%

below sla band

Consumer disputes

20%

elevated (vertical avg ~19%)

Reputation grade

F

51.4/100 composite

How does Lockhart Mediation Services's reputation rank nationally?

Reputation score vs. every graded collector

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

51 Bottom 17% higher than 17% 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%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 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

Lockhart Mediation Services versus the debt-collection vertical average.

Timely response within SLA 41.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 20.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 16.1%

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

How does Lockhart Mediation Services compare to its peers?

How does Lockhart Mediation Services compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Lockhart Mediation Ser… National average
Complaints (last 12 mo)lower is better
6
1
268
Timely-response ratehigher is better
42%
69%
91%
Consumer-dispute ratelower is better
20%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-05 2023-01

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 4
Written notification about debt - 2
False statements or representation - 2
Communication tactics - 2
Taking/threatening an illegal action - 2
Attempts to collect debt not owed - 1
Improper contact or sharing of info - 1

Where do complaints against Lockhart Mediation Services come from?

Lockhart Mediation Services's own per-state count, not a national baseline.

Top states by complaints against Lockhart Mediation Services

Across 9 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Lockhart Mediation Services contacts you

A grade of F signals how Lockhart Mediation Services'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 Lockhart Mediation Services 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 Lockhart Mediation Services 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 Lockhart Mediation Services? ▼

The most common issue consumers report about Lockhart Mediation Services is "Took or threatened to take negative or legal action", specifically "Threatened arrest/jail if do not pay". This is based on 14 complaints filed with the CFPB.

Are complaints against Lockhart Mediation Services increasing or decreasing? ▼

Complaints against Lockhart Mediation Services are rising. The company received 6 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Lockhart Mediation Services's reputation grade? ▼

Lockhart Mediation Services has a reputation grade of F (score: 51.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Lockhart Mediation Services respond to consumer complaints? ▼

Lockhart Mediation Services has a 42% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.

In how many states does Lockhart Mediation Services operate? ▼

Lockhart Mediation Services has received CFPB complaints from consumers in 9 states, with the most complaints from Texas (4 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.