Total CFPB complaints
44
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 44 complaints
Lotane & Associates, P.A. — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Lotane & Associates, P.A.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
13 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
10 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Communication tactics 4
Communication tactics
4 complaints
- Written notification about debt 4
Written notification about debt
4 complaints
- Threatened to contact someone or share information improperly 2
Threatened to contact someone or share information improperly
2 complaints
B
Grade B · 67.8/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Lotane & Associates, P.A.?
Lotane & Associates, P.A. has accumulated 44 total CFPB complaints across 6 states, with 5 filed in the most recent 12 months against 39 historical complaints before that window. The trailing-12-month volume represents 11.4% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was paid", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 95% timely-response rate against a 0% 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 6 states, led by Florida with 35 and Georgia with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 67.8/100 places Lotane & Associates, P.A. in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
5
11.4% of total history
Falling ↓
States active
6
Distinct state filings
Timely response rate
95%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
67.8/100 composite
Response-quality profile
How Lotane & Associates, P.A. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 10.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Lotane & Associates, P.A. compare to its peers?
Lotane & Associates, P… 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)
2020-07 2026-03
Top Consumer Issues
Attempts to collect debt not owed10 (%)
Took or threatened to take negative or legal action13 (%)
False statements or representation4 (%)
Communication tactics4 (%)
Written notification about debt4 (%)
Threatened to contact someone or share information improperly2 (%)
Most common issue: Attempts to collect debt not owed — Debt was paid
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 was paid | 7 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 5 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Communication tactics | Frequent or repeated calls | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 3 |
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 3 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 2 |
Where do complaints against Lotane & Associates, P.A. come from?
The states where consumers have filed the most CFPB complaints against Lotane & Associates, P.A.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Lotane & Associates, P.A.
Across 6 states with at least one filing
- Florida
Florida
35 complaints
- Georgia 3
Georgia
3 complaints
- Wisconsin 1
Wisconsin
1 complaints
- Nevada 1
Nevada
1 complaints
- Massachusetts 1
Massachusetts
1 complaints
- Maine 1
Maine
1 complaints
Frequently Asked Questions
What is the most common complaint against Lotane & Associates, P.A.? ▼
The most common issue consumers report about Lotane & Associates, P.A. is "Attempts to collect debt not owed", specifically "Debt was paid". This is based on 44 complaints filed with the CFPB.
Are complaints against Lotane & Associates, P.A. increasing or decreasing? ▼
Complaints against Lotane & Associates, P.A. are falling. The company received 5 complaints in the last 12 months, showing improvement over prior periods.
What is Lotane & Associates, P.A.'s reputation grade? ▼
Lotane & Associates, P.A. has a reputation grade of B (score: 67.8/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Lotane & Associates, P.A. respond to consumer complaints? ▼
Lotane & Associates, P.A. has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Lotane & Associates, P.A. operate? ▼
Lotane & Associates, P.A. has received CFPB complaints from consumers in 6 states, with the most complaints from Florida (35 complaints).
What can I do if Lotane & Associates, P.A. 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 Lotane & Associates, P.A. 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 |