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

CFPB complaint data Grade D 1,957 complaints

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

CFPB complaint profile across 51 states, reputation grade D.

Complaints by issue type

What consumers report about Lockhart, Morris & Montgomery Inc.

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

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 #264

  • VOL 1,957
  • GRADE D
  • 12MO 872
  • STATES 51
  • TIMELY 98%
  • DISPUTE 19%
  • ISSUE Attempts to collect debt n…
  • RANK #86
  • COMPOSE #264

Volume peers

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

Bull City Financial Solutions, IncBull City Financial Solution…1,945Velocity Portfolio GroupVelocity Portfolio Group1,949HSBC North America Holdings Inc.HSBC North America Holdings …1,955Lockhart, Morris & Montgomery Inc. (this)Lockhart, Morris & Montgomer…1,957AmeriCollectAmeriCollect1,970
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 →

How the 1,957 complaints break down

Every complaint issue type on record for Lockhart, Morris & Montgomery Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.0/100
Lockhart, Morris & Montgomery Inc.

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
1,957
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
98%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
19%
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.

Filing geometry

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

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

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 & Montgomery Inc. National average
Complaints (last 12 mo)lower is better
872
94
268
Timely-response ratehigher is better
98%
100%
91%
Consumer-dispute ratelower is better
19%
17%
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 Lockhart, Morris & Montgomery Inc. 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 (%) Lockhart, Morris & Montgomery Inc. vs. 9 similar-volume peers, by response speed and dispute rate Lockhart, Morris & Montgomery Inc.HSBC NORTH AMERICA HOLDINGS INC.Velocity Portfolio GroupBull City Financial Solutions, IncAmeriCollectLJ Ross AssociatesU.S. BANCORPWorld Acceptance CorporationRentDebt Automated Collections, LLCNelnet, Inc.
Source: CFPB Consumer Complaint Database

Lockhart, Morris & Montgomery Inc.'s complaint volume in context

Lockhart, Morris & Montgomery Inc. 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)

1,957 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. Lockhart, Morris & Montgomery Inc. 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 ↑
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.

Top states by complaints against Lockhart, Morris & Montgomery Inc.

Across 51 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 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.