Total CFPB complaints
213
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 213 complaints
Machol & Johannes, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 14 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Machol & Johannes, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
33 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
24 complaints
- Disclosure verification of debt
Disclosure verification of debt
21 complaints
- False statements or representation
False statements or representation
19 complaints
- Written notification about debt
Written notification about debt
14 complaints
- Taking/threatening an illegal action 10
Taking/threatening an illegal action
10 complaints
D
Grade D · 56.5/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Machol & Johannes, LLC?
Machol & Johannes, LLC has accumulated 213 total CFPB complaints across 14 states, with 0 filed in the most recent 12 months against 213 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Disclosure verification of debt", narrowing to "Not given enough info to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 92% timely-response rate against a 16% 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 14 states, led by Colorado with 90 and Washington with 54, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.5/100 places Machol & Johannes, LLC 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
0
0.0% of total history
Stable →
States active
14
Distinct state filings
Timely response rate
92%
Within CFPB SLA window
Consumer disputes
16%
After company response
Reputation grade
D
56.5/100 composite
Response-quality profile
How Machol & Johannes, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 91.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 32.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 25.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Machol & Johannes, LLC compare to its peers?
Machol & Johannes, LLC 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)
2019-05 2023-05
Top Consumer Issues
Disclosure verification of debt21 (%)
False statements or representation19 (%)
Attempts to collect debt not owed33 (%)
Written notification about debt14 (%)
Took or threatened to take negative or legal action24 (%)
Taking/threatening an illegal action10 (%)
Cont'd attempts collect debt not owed10 (%)
Most common issue: Disclosure verification of debt — Not given enough info to verify debt
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 |
|---|---|---|
| Disclosure verification of debt | Not given enough info to verify debt | 21 |
| False statements or representation | Attempted to collect wrong amount | 19 |
| Attempts to collect debt not owed | Debt is not yours | 14 |
| Written notification about debt | Didn't receive enough information to verify debt | 14 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 13 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 11 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 10 |
| Attempts to collect debt not owed | Debt was paid | 10 |
| Cont'd attempts collect debt not owed | Debt is not mine | 10 |
| Attempts to collect debt not owed | Debt was result of identity theft | 9 |
Where do complaints against Machol & Johannes, LLC come from?
The states where consumers have filed the most CFPB complaints against Machol & Johannes, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Machol & Johannes, LLC
Across 14 states with at least one filing
- Colorado
Colorado
90 complaints
- Washington
Washington
54 complaints
- New Mexico 23
New Mexico
23 complaints
- Oklahoma 17
Oklahoma
17 complaints
- Utah 5
Utah
5 complaints
- Oregon 4
Oregon
4 complaints
- Texas 3
Texas
3 complaints
- California 3
California
3 complaints
Frequently Asked Questions
What is the most common complaint against Machol & Johannes, LLC? ▼
The most common issue consumers report about Machol & Johannes, LLC is "Disclosure verification of debt", specifically "Not given enough info to verify debt". This is based on 213 complaints filed with the CFPB.
Are complaints against Machol & Johannes, LLC increasing or decreasing? ▼
Complaints against Machol & Johannes, LLC have been stable. The company received 0 complaints in the last 12 months.
What is Machol & Johannes, LLC's reputation grade? ▼
Machol & Johannes, LLC has a reputation grade of D (score: 56.5/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Machol & Johannes, LLC respond to consumer complaints? ▼
Machol & Johannes, LLC has a 92% timely response rate to CFPB complaints. Consumers disputed the company's response in 16% of cases.
In how many states does Machol & Johannes, LLC operate? ▼
Machol & Johannes, LLC has received CFPB complaints from consumers in 14 states, with the most complaints from Colorado (90 complaints).
What can I do if Machol & Johannes, LLC 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 Machol & Johannes, LLC 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 |