Total CFPB complaints
47
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 47 complaints
McCullough Payne & Haan, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about McCullough Payne & Haan, LLC
- Taking/threatening an illegal action
Taking/threatening an illegal action
14 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
12 complaints
- Disclosure verification of debt 5
Disclosure verification of debt
5 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
D
Grade D · 57.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about McCullough Payne & Haan, LLC?
McCullough Payne & Haan, LLC has accumulated 47 total CFPB complaints across 5 states, with 0 filed in the most recent 12 months against 47 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 "Taking/threatening an illegal action", narrowing to "Sued w/o proper notification of suit", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 85% timely-response rate against a 27% 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 5 states, led by Georgia with 42 and Pennsylvania with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.0/100 places McCullough Payne & Haan, LLC in grade band D, 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
5
Distinct state filings
Timely response rate
85%
Within CFPB SLA window
Consumer disputes
27%
After company response
Reputation grade
D
57.0/100 composite
Response-quality profile
How McCullough Payne & Haan, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 85.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 54.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does McCullough Payne & Haan, LLC compare to its peers?
McCullough Payne & Haa… 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)
2014-09 2018-08
Top Consumer Issues
Taking/threatening an illegal action14 (%)
Disclosure verification of debt5 (%)
Cont'd attempts collect debt not owed12 (%)
False statements or representation3 (%)
Written notification about debt2 (%)
Most common issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
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 |
|---|---|---|
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 6 |
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
| Cont'd attempts collect debt not owed | Debt was paid | 5 |
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 3 |
| Taking/threatening an illegal action | Sued where didn't live/sign for debt | 3 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 2 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
Where do complaints against McCullough Payne & Haan, LLC come from?
The states where consumers have filed the most CFPB complaints against McCullough Payne & Haan, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against McCullough Payne & Haan, LLC
Across 5 states with at least one filing
- Georgia
Georgia
42 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
- Texas 1
Texas
1 complaints
- Mississippi 1
Mississippi
1 complaints
- Alabama 1
Alabama
1 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is McCullough Payne & Haan, LLC's reputation grade? ▼
McCullough Payne & Haan, LLC has a reputation grade of D (score: 57.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if McCullough Payne & Haan, LLC 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 McCullough Payne & Haan, LLC 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 |