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

Data updated July 2026

F

Grade F · 51.6/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: Malcolm S. Gerald and Associates, Inc. ranks ahead of 18% of the 5,283 collectors PlainCollector grades - 82% keep a cleaner CFPB record, on 71 all-time complaints and a 68% timely-response rate.

18th pct
reputation rank of 5,283 graded collectors
71
CFPB complaints, all-time
68%
answered inside the CFPB window
0
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 Malcolm S. Gerald and Associates, Inc.?

Malcolm S. Gerald and Associates, Inc. has accumulated 71 total CFPB complaints across 25 states, with 0 filed in the most recent 12 months against 71 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine". The company posts a 68% timely-response rate against a 17% consumer-dispute-after-response rate.

Complaints have been recorded across 25 states, led by Illinois with 22 and California with 7. Normalized against the full CFPB collector database, the reputation score of 51.6/100 places Malcolm S. Gerald and Associates, Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

71

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

25

multi-region footprint

Timely response rate

68%

below sla band

Consumer disputes

17%

average (vertical avg ~19%)

Reputation grade

F

51.6/100 composite

How does Malcolm S. Gerald and Associates, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

52 Bottom 18% higher than 18% 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

Malcolm S. Gerald and Associates, Inc. versus the debt-collection vertical average.

Timely response within SLA 67.6%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 16.7%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 44.6%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Malcolm S. Gerald and … 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.

Complaint Trend (24 months)

2020-12 2026-01

Issue Detail Breakdown

Issue Sub-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

What to do if Malcolm S. Gerald and Associates, Inc. contacts you

A grade of F signals how Malcolm S. Gerald and Associates, Inc.'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 Malcolm S. Gerald and Associates, Inc. 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 Malcolm S. Gerald and Associates, Inc. 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 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: 51.6/100), 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).

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.