Total CFPB complaints
13
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 13 complaints
M. Richard Epps, P.C. — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about M. Richard Epps, P.C.
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- False statements or representation
False statements or representation
2 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
B
Grade B · 68.2/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about M. Richard Epps, P.C.?
M. Richard Epps, P.C. has accumulated 13 total CFPB complaints across 3 states, with 2 filed in the most recent 12 months against 11 historical complaints before that window. The trailing-12-month volume represents 15.4% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Impersonated attorney, law enforcement, or government official", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 33% 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 3 states, led by Virginia with 10 and Illinois with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 68.2/100 places M. Richard Epps, P.C. 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
2
15.4% of total history
Stable →
States active
3
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
B
68.2/100 composite
Response-quality profile
How M. Richard Epps, P.C. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 66.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does M. Richard Epps, P.C. compare to its peers?
M. Richard Epps, P.C. 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)
2015-11 2026-01
Top Consumer Issues
False statements or representation2 (%)
Took or threatened to take negative or legal action2 (%)
Disclosure verification of debt1 (%)
Cont'd attempts collect debt not owed1 (%)
Attempts to collect debt not owed3 (%)
Written notification about debt1 (%)
Taking/threatening an illegal action1 (%)
Communication tactics1 (%)
Most common issue: False statements or representation — Impersonated attorney, law enforcement, or government official
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 |
|---|---|---|
| False statements or representation | Impersonated attorney, law enforcement, or government official | 2 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 2 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against M. Richard Epps, P.C. come from?
The states where consumers have filed the most CFPB complaints against M. Richard Epps, P.C.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against M. Richard Epps, P.C.
Across 3 states with at least one filing
- Virginia
Virginia
10 complaints
- Illinois 1
Illinois
1 complaints
- North Carolina 1
North Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against M. Richard Epps, P.C.? ▼
The most common issue consumers report about M. Richard Epps, P.C. is "False statements or representation", specifically "Impersonated attorney, law enforcement, or government official". This is based on 13 complaints filed with the CFPB.
Are complaints against M. Richard Epps, P.C. increasing or decreasing? ▼
Complaints against M. Richard Epps, P.C. have been stable. The company received 2 complaints in the last 12 months.
What is M. Richard Epps, P.C.'s reputation grade? ▼
M. Richard Epps, P.C. has a reputation grade of B (score: 68.2/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does M. Richard Epps, P.C. respond to consumer complaints? ▼
M. Richard Epps, P.C. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.
In how many states does M. Richard Epps, P.C. operate? ▼
M. Richard Epps, P.C. has received CFPB complaints from consumers in 3 states, with the most complaints from Virginia (10 complaints).
What can I do if M. Richard Epps, 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 M. Richard Epps, 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 |