What is the most common complaint against Lockhart, Morris & Montgomery Inc.?

The most common issue consumers report about Lockhart, Morris & Montgomery Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,957 complaints filed with the CFPB.

Are complaints against Lockhart, Morris & Montgomery Inc. increasing or decreasing?

Complaints against Lockhart, Morris & Montgomery Inc. are rising. The company received 872 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Lockhart, Morris & Montgomery Inc.'s reputation grade?

Lockhart, Morris & Montgomery Inc. has a reputation grade of D (score: 53.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Lockhart, Morris & Montgomery Inc. respond to consumer complaints?

Lockhart, Morris & Montgomery Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 19% of cases.

In how many states does Lockhart, Morris & Montgomery Inc. operate?

Lockhart, Morris & Montgomery Inc. has received CFPB complaints from consumers in 51 states, with the most complaints from Florida (430 complaints).

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

Lockhart, Morris & Montgomery Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 51 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

857
Written notification about debt

420
Took or threatened to take negative or legal action

314
False statements or representation

259
Communication tactics

62
Threatened to contact someone or share information improperly

15

Data updated September 2026

CFPB complaint disposition

CCDB record lockhart-morris-montgomery-inc Lockhart, Morris & Montgomery Inc.

Grade D · 1,957 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #86 · compose #3728

VOL 1,957
GRADE D
12MO 872
STATES 51
TIMELY 98%
DISPUTE 19%
ISSUE Attempts to collect debt n…
RANK #86
COMPOSE #3,728

Volume peers

Nearest volume peer: HSBC North America Holdings Inc. (1,955 complaints)

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

Lockhart, Morris & Montgomery Inc.'s 1,957 CFPB complaints sit next to HSBC North America Holdings Inc. 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 →

Filing geometry

Florida is the plurality state for Lockhart, Morris & Montgomery Inc. (22.0%)

Volume rank #86 and composite rank #3,728 diverge by 3,642 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Florida 22.0%; Mid-band (15–30%) · 51 states with ≥1 filing
Seasonal peak: 2026-01 8.1%; 8–15% band · 230 filings
Divergent corpus ranks: #86 volume; #3,728 composite; Cleanest-composite ladder is 3,642 places worse than volume

How does Lockhart, Morris & Montgomery Inc. compare to its peers?

How does Lockhart, Morris & Montgomery Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Lockhart, Morris & Mon… National average

Complaints (last 12 mo)lower is better

872

268

Timely-response ratehigher is better

98%

100%

91%

Consumer-dispute ratelower is better

19%

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	857
Written notification about debt	420
Took or threatened to take negative or legal action	314
False statements or representation	259
Communication tactics	62
Threatened to contact someone or share information improperly	15
Electronic communications	14
Cont'd attempts collect debt not owed	8
Disclosure verification of debt	4
Improper contact or sharing of info	3

Where do complaints against Lockhart, Morris & Montgomery Inc. come from?

Lockhart, Morris & Montgomery Inc.'s own per-state count, not a national baseline.

Florida

430
Texas

425
Georgia

189
Michigan

96
California

57
Alabama

53
Wisconsin

52
Louisiana

51

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Lockhart, Morris & Montgomery Inc.: 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: 1,957.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 97.90167865707434%.

4 peers

Know your rights before responding to Lockhart, Morris & Montgomery Inc.: 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.