Total CFPB complaints
71
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 71 complaints
Malcolm S. Gerald and Associates, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 25 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Malcolm S. Gerald and Associates, Inc.
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
25 complaints
- Communication tactics
Communication tactics
23 complaints
- Disclosure verification of debt 6
Disclosure verification of debt
6 complaints
- Attempts to collect debt not owed 3
Attempts to collect debt not owed
3 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Improper contact or sharing of info 2
Improper contact or sharing of info
2 complaints
F
Grade F · 51.6/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 68% timely-response rate against a 17% 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 25 states, led by Illinois with 22 and California with 7, which matches a multi-state collection footprint rather than a regional operation. 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, 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
25
Distinct state filings
Timely response rate
68%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
F
51.6/100 composite
Response-quality profile
How Malcolm S. Gerald and Associates, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 33.3%
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?
Malcolm S. Gerald and … 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)
2015-01 2020-09
Top Consumer Issues
Cont'd attempts collect debt not owed25 (%)
Communication tactics23 (%)
Disclosure verification of debt6 (%)
Attempts to collect debt not owed3 (%)
False statements or representation3 (%)
Improper contact or sharing of info2 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 19 |
| Communication tactics | Frequent or repeated calls | 17 |
| Disclosure verification of debt | Not given enough info to verify debt | 6 |
| Cont'd attempts collect debt not owed | Debt was paid | 6 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Communication tactics | Threatened to take legal action | 2 |
| Communication tactics | Called after sent written cease of comm | 2 |
| Improper contact or sharing of info | Contacted me after I asked not to | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
Where do complaints against Malcolm S. Gerald and Associates, Inc. come from?
The states where consumers have filed the most CFPB complaints against Malcolm S. Gerald and Associates, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Malcolm S. Gerald and Associates, Inc.
Across 25 states with at least one filing
- Illinois
Illinois
22 complaints
- California 7
California
7 complaints
- Missouri 4
Missouri
4 complaints
- Texas 4
Texas
4 complaints
- Virginia 3
Virginia
3 complaints
- Arizona 3
Arizona
3 complaints
- Pennsylvania 3
Pennsylvania
3 complaints
- New York 2
New York
2 complaints
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. have been stable. The company received 0 complaints in the last 12 months.
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). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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).
What can I do if Malcolm S. Gerald and Associates, Inc. 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 Malcolm S. Gerald and Associates, Inc. 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 |