Total CFPB complaints
1,668
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 1,668 complaints
Lockhart, Morris & Montgomery Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 49 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Lockhart, Morris & Montgomery Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
710 complaints
- Written notification about debt
Written notification about debt
370 complaints
- Took or threatened to take negative or legal action 231
Took or threatened to take negative or legal action
231 complaints
- False statements or representation 203
False statements or representation
203 complaints
- Communication tactics 46
Communication tactics
46 complaints
D
Grade D · 55.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Lockhart, Morris & Montgomery Inc.?
Lockhart, Morris & Montgomery Inc. has accumulated 1,668 total CFPB complaints across 49 states, with 717 filed in the most recent 12 months against 951 historical complaints before that window. The trailing-12-month volume represents 43.0% 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 98% timely-response rate against a 19% 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 49 states, led by Florida with 373 and Texas with 336, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.2/100 places Lockhart, Morris & Montgomery Inc. 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
717
43.0% of total history
Rising ↑
States active
49
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
19%
After company response
Reputation grade
D
55.2/100 composite
Response-quality profile
How Lockhart, Morris & Montgomery Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 38.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 87.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Lockhart, Morris & Montgomery Inc. compare to its peers?
Lockhart, Morris & Mon… 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 owed710 (%)
Took or threatened to take negative or legal action231 (%)
Written notification about debt370 (%)
False statements or representation203 (%)
Communication tactics46 (%)
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 | 476 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 231 |
| Written notification about debt | Didn't receive enough information to verify debt | 225 |
| False statements or representation | Attempted to collect wrong amount | 203 |
| Attempts to collect debt not owed | Debt was result of identity theft | 152 |
| Written notification about debt | Didn't receive notice of right to dispute | 128 |
| Attempts to collect debt not owed | Debt was paid | 82 |
| Communication tactics | Frequent or repeated calls | 23 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 23 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 17 |
Where do complaints against Lockhart, Morris & Montgomery Inc. come from?
The states where consumers have filed the most CFPB complaints against Lockhart, Morris & Montgomery Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Lockhart, Morris & Montgomery Inc.
Across 49 states with at least one filing
- Florida
Florida
373 complaints
- Texas
Texas
336 complaints
- Georgia
Georgia
169 complaints
- Michigan 87
Michigan
87 complaints
- California 51
California
51 complaints
- North Carolina 48
North Carolina
48 complaints
- Ohio 45
Ohio
45 complaints
- Pennsylvania 43
Pennsylvania
43 complaints
Frequently Asked Questions
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 1,668 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 717 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: 55.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 49 states, with the most complaints from Florida (373 complaints).
What can I do if Lockhart, Morris & Montgomery Inc. 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 Lockhart, Morris & Montgomery Inc. 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 |