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

CFPB complaint data Grade D 185 complaints

Love, Beal & Nixon, P.C. - Debt Collector Complaint Profile

CFPB complaint profile across 9 states, reputation grade D.

Complaints by issue type

What consumers report about Love, Beal & Nixon, P.C.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 57.0/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Love, Beal & Nixon, P.C. ranks ahead of 32% of the 5,283 collectors PlainCollector grades - 68% keep a cleaner CFPB record, on 185 all-time complaints and a 96% timely-response rate.

32nd pct
reputation rank of 5,283 graded collectors
185
CFPB complaints, all-time
96%
answered inside the CFPB window
25
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Love, Beal & Nixon, P.C.?

Love, Beal & Nixon, P.C. has accumulated 185 total CFPB complaints across 9 states, with 25 filed in the most recent 12 months against 160 historical complaints before that window. The trailing-12-month volume represents 13.5% 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 "Took or threatened to take negative or legal action", narrowing to "Debt was result of identity theft". The company posts a 96% timely-response rate against a 23% consumer-dispute-after-response rate.

Complaints have been recorded across 9 states, led by Oklahoma with 146 and Arkansas with 26. Normalized against the full CFPB collector database, the reputation score of 57.0/100 places Love, Beal & Nixon, P.C. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

185

mid-volume (CCDB)

Last 12 months

25

13.5% of all-time complaints

Falling ↓

States active

9

regional footprint

Timely response rate

96%

excellent band

Consumer disputes

23%

elevated (vertical avg ~19%)

Reputation grade

D

57.0/100 composite

How does Love, Beal & Nixon, P.C.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

57 32nd percentile higher than 32% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Love, Beal & Nixon, P.C. versus the debt-collection vertical average.

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) 22.6%
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?

How does Love, Beal & Nixon, P.C. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Love, Beal & Nixon, P.… National average
Complaints (last 12 mo)lower is better
25
162
268
Timely-response ratehigher is better
96%
37%
91%
Consumer-dispute ratelower is better
23%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-05 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 46
Attempts to collect debt not owed - 43
Written notification about debt - 24
False statements or representation - 17
Cont'd attempts collect debt not owed - 17
Taking/threatening an illegal action - 15
Disclosure verification of debt - 13
Communication tactics - 7
Improper contact or sharing of info - 2
Threatened to contact someone or share information improperly - 1

Where do complaints against Love, Beal & Nixon, P.C. come from?

Love, Beal & Nixon, P.C.'s own per-state count, not a national baseline.

Top states by complaints against Love, Beal & Nixon, P.C.

Across 9 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Love, Beal & Nixon, P.C. contacts you

A grade of D signals how Love, Beal & Nixon, P.C.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Love, Beal & Nixon, P.C. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Love, Beal & Nixon, P.C. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 "Took or threatened to take negative or legal action", specifically "Debt was result of identity theft". This is based on 185 complaints filed with the CFPB.

Are complaints against Love, Beal & Nixon, P.C. increasing or decreasing? ▼

Complaints against Love, Beal & Nixon, P.C. are falling. The company received 25 complaints in the last 12 months, showing improvement over prior periods.

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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 (146 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.