What is the most common complaint against McCullough Payne & Haan, LLC?

The most common issue consumers report about McCullough Payne & Haan, LLC is "Taking/threatening an illegal action", specifically "Sued w/o proper notification of suit". This is based on 47 complaints filed with the CFPB.

Are complaints against McCullough Payne & Haan, LLC increasing or decreasing?

Complaints against McCullough Payne & Haan, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is McCullough Payne & Haan, LLC's reputation grade?

McCullough Payne & Haan, LLC has a reputation grade of D (score: 53.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does McCullough Payne & Haan, LLC respond to consumer complaints?

McCullough Payne & Haan, LLC has a 85% timely response rate to CFPB complaints. Consumers disputed the company's response in 27% of cases.

In how many states does McCullough Payne & Haan, LLC operate?

McCullough Payne & Haan, LLC has received CFPB complaints from consumers in 5 states, with the most complaints from Georgia (42 complaints).

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

McCullough Payne & Haan, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade D.

Compiled by PlainCollector

Taking/threatening an illegal action

15
Cont'd attempts collect debt not owed

13
Disclosure verification of debt

6
False statements or representation

4
Improper contact or sharing of info

4
Written notification about debt

2

Data updated September 2026

CFPB complaint disposition

CCDB record mccullough-payne-haan-llc McCullough Payne & Haan, LLC

Grade D · 47 CFPB filings · 85% timely · lead issue: Taking/threatening an illegal action · vol #1242 · compose #3680

VOL 47
GRADE D
12MO 0
STATES 5
TIMELY 85%
DISPUTE 27%
ISSUE Taking/threatening an ille…
RANK #1,242
COMPOSE #3,680

Volume peers

Nearest volume peer: Bayside Capital Services, LLC (47 complaints)

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

McCullough Payne & Haan, LLC's 47 CFPB complaints sit next to Bayside Capital Services, LLC 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

89.4% of McCullough Payne & Haan, LLC's CFPB filings land in Georgia

High volume does not equal a clean composite: McCullough Payne & Haan, LLC is volume #1,242 but composite #3,680, while Georgia dominates the geography. Corpus placement method.

Dominant state: Georgia 89.4%; 42 of 47 filings · 5 states touched
Even monthly load: Peak under 8%; Highest month 2021-01 at 7.7% (2 filings)
Divergent corpus ranks: #1,242 volume; #3,680 composite; Cleanest-composite ladder is 2,438 places worse than volume

How does McCullough Payne & Haan, LLC compare to its peers?

How does McCullough Payne & Haan, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

McCullough Payne & Haa… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

85%

100%

91%

Consumer-dispute ratelower is better

27%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-02 2025-12

Issue Detail Breakdown

Issue	Complaints
Taking/threatening an illegal action	15
Cont'd attempts collect debt not owed	13
Disclosure verification of debt	6
False statements or representation	4
Improper contact or sharing of info	4
Written notification about debt	2
Communication tactics	2
Attempts to collect debt not owed	1

Where do complaints against McCullough Payne & Haan, LLC come from?

McCullough Payne & Haan, LLC's own per-state count, not a national baseline.

Georgia

42
Alabama

1
Mississippi

1
Pennsylvania

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for McCullough Payne & Haan, LLC: 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: 47.

4 peers

Know your rights before responding to McCullough Payne & Haan, LLC: 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.