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

CFPB complaint data Grade C 111 complaints

Mar Joe Enterprises - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade C.

Complaints by issue type

What consumers report about Mar Joe Enterprises

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

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 111
  • GRADE C
  • 12MO 3
  • STATES 23
  • TIMELY 91%
  • DISPUTE 12%
  • ISSUE Attempts to collect debt n…
  • RANK #780
  • COMPOSE Not ranked

Volume peers

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

Alpine Credit, IncAlpine Credit, Inc111DigniFiDigniFi111Mar Joe Enterprises (this)Mar Joe Enterprises (this)111Escallate, LLCEscallate, LLC112Mid-Atlantic Finance Co., Inc.Mid-Atlantic Finance Co., In…112
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 →

How the 111 complaints break down

Every complaint issue type on record for Mar Joe Enterprises, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
56.1/100
Mar Joe Enterprises

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
111
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
91%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
12%
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

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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)
Corpus ranks
#780 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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
3
71
268
Timely-response ratehigher is better
91%
98%
91%
Consumer-dispute ratelower is better
12%
0%
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 Mar Joe Enterprises 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 80%85%90%95%100%105% 0%10%20%30%40%50%60% Timely response rate (%) Dispute rate (%) Mar Joe Enterprises vs. 6 similar-volume peers, by response speed and dispute rate Mar Joe EnterprisesAlpine Credit, IncSunset Management, IncSecond Alliance, Inc.TSC Accounts Receivable SolutionsMid-Atlantic Finance Co., Inc.ESCALLATE, LLC
Source: CFPB Consumer Complaint Database

Mar Joe Enterprises's complaint volume in context

Mar Joe Enterprises 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)

111 Top 14% higher than 86% 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%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). This entry sits in this band. 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. Mar Joe Enterprises 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 ↓
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.

Top states by complaints against Mar Joe Enterprises

Across 23 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 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.