Total CFPB complaints
181
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 181 complaints
Love, Beal & Nixon, P.C. — Debt Collector Complaint Profile
CFPB complaint profile across 9 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Love, Beal & Nixon, P.C.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
33 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
30 complaints
- Written notification about debt
Written notification about debt
24 complaints
- False statements or representation 13
False statements or representation
13 complaints
- Disclosure verification of debt 13
Disclosure verification of debt
13 complaints
- Cont'd attempts collect debt not owed 10
Cont'd attempts collect debt not owed
10 complaints
D
Grade D · 57.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Love, Beal & Nixon, P.C.?
Love, Beal & Nixon, P.C. has accumulated 181 total CFPB complaints across 9 states, with 39 filed in the most recent 12 months against 142 historical complaints before that window. The trailing-12-month volume represents 21.5% 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 was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 96% timely-response rate against a 23% 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 9 states, led by Oklahoma with 145 and Arkansas with 23, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.0/100 places Love, Beal & Nixon, P.C. 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
39
21.5% of total history
Rising ↑
States active
9
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
23%
After company response
Reputation grade
D
57.0/100 composite
Response-quality profile
How Love, Beal & Nixon, P.C. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 45.3%
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 Love, Beal & Nixon, P.C. compare to its peers?
Love, Beal & Nixon, 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed30 (%)
Took or threatened to take negative or legal action33 (%)
False statements or representation13 (%)
Written notification about debt24 (%)
Cont'd attempts collect debt not owed10 (%)
Disclosure verification of debt13 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
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 result of identity theft | 30 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 15 |
| False statements or representation | Attempted to collect wrong amount | 13 |
| Written notification about debt | Didn't receive enough information to verify debt | 12 |
| Written notification about debt | Didn't receive notice of right to dispute | 12 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 11 |
| Cont'd attempts collect debt not owed | Debt is not mine | 10 |
| Disclosure verification of debt | Not given enough info to verify debt | 7 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 7 |
| Disclosure verification of debt | Right to dispute notice not received | 6 |
Where do complaints against Love, Beal & Nixon, P.C. come from?
The states where consumers have filed the most CFPB complaints against Love, Beal & Nixon, P.C.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Love, Beal & Nixon, P.C.
Across 9 states with at least one filing
- Oklahoma
Oklahoma
145 complaints
- Arkansas 23
Arkansas
23 complaints
- Florida 5
Florida
5 complaints
- Texas 2
Texas
2 complaints
- Colorado 2
Colorado
2 complaints
- Utah 1
Utah
1 complaints
- California 1
California
1 complaints
- New York 1
New York
1 complaints
Frequently Asked Questions
What is the most common complaint against Love, Beal & Nixon, P.C.? ▼
The most common issue consumers report about Love, Beal & Nixon, P.C. is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 181 complaints filed with the CFPB.
Are complaints against Love, Beal & Nixon, P.C. increasing or decreasing? ▼
Complaints against Love, Beal & Nixon, P.C. are rising. The company received 39 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Love, Beal & Nixon, P.C.'s reputation grade? ▼
Love, Beal & Nixon, P.C. has a reputation grade of D (score: 57.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Love, Beal & Nixon, P.C. respond to consumer complaints? ▼
Love, Beal & Nixon, P.C. has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 23% of cases.
In how many states does Love, Beal & Nixon, P.C. operate? ▼
Love, Beal & Nixon, P.C. has received CFPB complaints from consumers in 9 states, with the most complaints from Oklahoma (145 complaints).
What can I do if Love, Beal & Nixon, P.C. 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 Love, Beal & Nixon, P.C. 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 |