Total CFPB complaints
110
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 110 complaints
Mar Joe Enterprises — Debt Collector Complaint Profile
CFPB complaint profile across 23 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Mar Joe Enterprises
- Attempts to collect debt not owed
Attempts to collect debt not owed
41 complaints
- Written notification about debt
Written notification about debt
23 complaints
- Communication tactics 13
Communication tactics
13 complaints
- False statements or representation 11
False statements or representation
11 complaints
- Cont'd attempts collect debt not owed 7
Cont'd attempts collect debt not owed
7 complaints
C
Grade C · 59.5/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Mar Joe Enterprises?
Mar Joe Enterprises has accumulated 110 total CFPB complaints across 23 states, with 8 filed in the most recent 12 months against 102 historical complaints before that window. The trailing-12-month volume represents 7.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 91% timely-response rate against a 12% 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 23 states, led by Tennessee with 47 and South Carolina with 18, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.5/100 places Mar Joe Enterprises in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
8
7.3% of total history
Rising ↑
States active
23
Distinct state filings
Timely response rate
91%
Within CFPB SLA window
Consumer disputes
12%
After company response
Reputation grade
C
59.5/100 composite
Response-quality profile
How Mar Joe Enterprises performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 90.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 23.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 41.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Mar Joe Enterprises compare to its peers?
Mar Joe Enterprises 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)
2021-07 2025-09
Top Consumer Issues
Attempts to collect debt not owed41 (%)
Written notification about debt23 (%)
False statements or representation11 (%)
Communication tactics13 (%)
Cont'd attempts collect debt not owed7 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 22 |
| Written notification about debt | Didn't receive notice of right to dispute | 12 |
| Attempts to collect debt not owed | Debt was paid | 11 |
| Written notification about debt | Didn't receive enough information to verify debt | 11 |
| False statements or representation | Attempted to collect wrong amount | 11 |
| Communication tactics | Frequent or repeated calls | 10 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 4 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 3 |
Where do complaints against Mar Joe Enterprises come from?
The states where consumers have filed the most CFPB complaints against Mar Joe Enterprises. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Mar Joe Enterprises
Across 23 states with at least one filing
- Tennessee
Tennessee
47 complaints
- South Carolina 18
South Carolina
18 complaints
- Virginia 7
Virginia
7 complaints
- Mississippi 6
Mississippi
6 complaints
- Ohio 3
Ohio
3 complaints
- North Carolina 3
North Carolina
3 complaints
- Louisiana 2
Louisiana
2 complaints
- Washington 2
Washington
2 complaints
Frequently Asked Questions
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 110 complaints filed with the CFPB.
Are complaints against Mar Joe Enterprises increasing or decreasing? ▼
Complaints against Mar Joe Enterprises are rising. The company received 8 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Mar Joe Enterprises's reputation grade? ▼
Mar Joe Enterprises has a reputation grade of C (score: 59.5/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Mar Joe Enterprises 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 Mar Joe Enterprises 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 |