What is the most common complaint against Mar Joe Enterprises?

The most common issue consumers report about Mar Joe Enterprises is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 111 complaints filed with the CFPB.

Are complaints against Mar Joe Enterprises increasing or decreasing?

Complaints against Mar Joe Enterprises are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.

What is Mar Joe Enterprises's reputation grade?

Mar Joe Enterprises has a reputation grade of C (score: 56.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Mar Joe Enterprises respond to consumer complaints?

Mar Joe Enterprises has a 91% timely response rate to CFPB complaints. Consumers disputed the company's response in 12% of cases.

In how many states does Mar Joe Enterprises operate?

Mar Joe Enterprises has received CFPB complaints from consumers in 23 states, with the most complaints from Tennessee (47 complaints).

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

Mar Joe Enterprises - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

42
Written notification about debt

23
Communication tactics

17
False statements or representation

11
Cont'd attempts collect debt not owed

8
Disclosure verification of debt

4

Data updated September 2026

CFPB complaint disposition

CCDB record mar-joe-enterprises Mar Joe Enterprises

Grade C · 111 CFPB filings · 91% timely · lead issue: Attempts to collect debt not owed · vol #780 · compose #3140

VOL 111
GRADE C
12MO 3
STATES 23
TIMELY 91%
DISPUTE 12%
ISSUE Attempts to collect debt n…
RANK #780
COMPOSE #3,140

Volume peers

Nearest volume peer: Alpine Credit, Inc (111 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Mar Joe Enterprises's 111 CFPB complaints sit next to Alpine Credit, Inc 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

42.3% of Mar Joe Enterprises's CFPB filings land in Tennessee

High volume does not equal a clean composite: Mar Joe Enterprises is volume #780 but composite #3,140, while Tennessee dominates the geography. Corpus placement method.

Dominant state: Tennessee 42.3%; 47 of 111 filings · 23 states touched
Even monthly load: Peak under 8%; Highest month 2018-04 at 7.2% (15 filings)
Divergent corpus ranks: #780 volume; #3,140 composite; Cleanest-composite ladder is 2,360 places worse than volume

How does Mar Joe Enterprises compare to its peers?

How does Mar Joe Enterprises compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Mar Joe Enterprises National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

91%

98%

91%

Consumer-dispute ratelower is better

12%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-12 2019-11

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	42
Written notification about debt	23
Communication tactics	17
False statements or representation	11
Cont'd attempts collect debt not owed	8
Disclosure verification of debt	4
Took or threatened to take negative or legal action	2
Threatened to contact someone or share information improperly	2
Improper contact or sharing of info	1
Electronic communications	1

Where do complaints against Mar Joe Enterprises come from?

Mar Joe Enterprises's own per-state count, not a national baseline.

Tennessee

47
South Carolina

18
Virginia

8
Mississippi

6
North Carolina

3
Ohio

3
Arkansas

2
Illinois

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Mar Joe Enterprises: 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: 111.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 90.9090909090909%.

4 peers

Know your rights before responding to Mar Joe Enterprises: 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.