What is the most common complaint against Malcolm S. Gerald and Associates, Inc.?

The most common issue consumers report about Malcolm S. Gerald and Associates, Inc. is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 71 complaints filed with the CFPB.

Are complaints against Malcolm S. Gerald and Associates, Inc. increasing or decreasing?

Complaints against Malcolm S. Gerald and Associates, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Malcolm S. Gerald and Associates, Inc.'s reputation grade?

Malcolm S. Gerald and Associates, Inc. has a reputation grade of F (score: 48.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Malcolm S. Gerald and Associates, Inc. respond to consumer complaints?

Malcolm S. Gerald and Associates, Inc. has a 68% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does Malcolm S. Gerald and Associates, Inc. operate?

Malcolm S. Gerald and Associates, Inc. has received CFPB complaints from consumers in 25 states, with the most complaints from Illinois (22 complaints).

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

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

CFPB complaint profile across 25 states, reputation grade F.

Compiled by PlainCollector

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

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 #999 · compose #4308

VOL 71
GRADE F
12MO 0
STATES 25
TIMELY 68%
DISPUTE 17%
ISSUE Cont'd attempts collect de…
RANK #999
COMPOSE #4,308

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Malcolm S. Gerald and Associates, Inc. is volume #999 but composite #4,308, while Illinois dominates the geography. 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
Divergent corpus ranks: #999 volume; #4,308 composite; Cleanest-composite ladder is 3,309 places worse than volume

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 … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

68%

93%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Illinois

22
California

7
Missouri

4
Texas

4
Arizona

3
Pennsylvania

3
Virginia

3
Florida

2

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.