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

CFPB complaint data Grade F 71 complaints

Malcolm S. Gerald and Associates, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 25 states, reputation grade F.

Complaints by issue type

What consumers report about Malcolm S. Gerald and Associates, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record malcolm-s-gerald-and-associates-inc Malcolm S. Gerald and Associates, Inc.

Grade F · 71 CFPB filings · 68% timely · lead issue: Cont'd attempts collect debt not owed

  • VOL 71
  • GRADE F
  • 12MO 0
  • STATES 25
  • TIMELY 68%
  • DISPUTE 17%
  • ISSUE Cont'd attempts collect de…
  • RANK #999
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Abbott Osborn Jacobs PLC (71 complaints)

Abbott Osborn Jacobs PLCAbbott Osborn Jacobs PLC71Alliant Credit UnionAlliant Credit Union71Asset Recovery Bureau LLCAsset Recovery Bureau LLC71Certegy Holdings, LLCCertegy Holdings, LLC71Malcolm S. Gerald and Associates, Inc. (this)Malcolm S. Gerald and Associ…71
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Malcolm S. Gerald and Associates, Inc.'s 71 CFPB complaints sit next to Abbott Osborn Jacobs PLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 71 complaints break down

Every complaint issue type on record for Malcolm S. Gerald and Associates, Inc., not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
48.1/100
Malcolm S. Gerald and Associates, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
71
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
68%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
17%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

31.0% of Malcolm S. Gerald and Associates, Inc.'s CFPB filings land in Illinois

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Illinois 31.0%
22 of 71 filings · 25 states touched
Seasonal peak
2025-05 9.1%
8–15% band · 3 filings
Corpus ranks
#999 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Malcolm S. Gerald and Associates, Inc. compare to its peers?

How does Malcolm S. Gerald and Associates, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Malcolm S. Gerald and Associates, Inc. National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
68%
93%
91%
Consumer-dispute ratelower is better
17%
6%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Malcolm S. Gerald and Associates, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 60%70%80%90%100% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Malcolm S. Gerald and Associates, Inc. vs. 6 similar-volume peers, by response speed and dispute rate Malcolm S. Gerald and Associates, Inc.Leading Edge Recovery Solutions, LLCUnited Check Recovery Bureau, Inc.Credit Solutions, LLC (KY)Abbott Osborn Jacobs PLCAudit & Adjustment Co. Inc.Credit Management Services, Inc.
Source: CFPB Consumer Complaint Database

Malcolm S. Gerald and Associates, Inc.'s complaint volume in context

Malcolm S. Gerald and Associates, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

71 Top 18% higher than 82% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). This entry sits in this band. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Malcolm S. Gerald and Associates, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2020-12 2026-01

Issue Detail Breakdown

Issue Complaints
Cont'd attempts collect debt not owed
28
Communication tactics
23
Disclosure verification of debt
8
Improper contact or sharing of info
4
Attempts to collect debt not owed
3
False statements or representation
3
Written notification about debt
2

Where do complaints against Malcolm S. Gerald and Associates, Inc. come from?

Malcolm S. Gerald and Associates, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Malcolm S. Gerald and Associates, Inc.

Across 25 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Malcolm S. Gerald and Associates, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 71.

4 peers

Know your rights before responding to Malcolm S. Gerald and Associates, Inc.: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.