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

CFPB complaint data Grade B 35 complaints

McKenzie Paul & Associates - Debt Collector Complaint Profile

CFPB complaint profile across 9 states, reputation grade B.

Complaints by issue type

What consumers report about McKenzie Paul & Associates

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

Data updated September 2026

CFPB complaint disposition

CCDB record mckenzie-paul-associates McKenzie Paul & Associates

Grade B · 35 CFPB filings · 90% timely · lead issue: Attempts to collect debt not owed

  • VOL 35
  • GRADE B
  • 12MO 9
  • STATES 9
  • TIMELY 90%
  • DISPUTE 0%
  • ISSUE Attempts to collect debt n…
  • RANK #1,433
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Accounts Receivable Inc. (35 complaints)

Accounts Receivable Inc.Accounts Receivable Inc.35American Credit Resolution, IncorporatedAmerican Credit Resolution, …35CAB Receivables, Inc.CAB Receivables, Inc.35ComericaComerica35McKenzie Paul & Associates (this)McKenzie Paul & Associates (…35
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

McKenzie Paul & Associates's 35 CFPB complaints sit next to Accounts Receivable 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 35 complaints break down

Every complaint issue type on record for McKenzie Paul & Associates, not just the top ones shown above.

Reputation score breakdown

B
Composite reputation score
63.9/100
McKenzie Paul & Associates

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 D
35
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
90%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
0%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

51.4% of McKenzie Paul & Associates's CFPB filings land in Texas

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Texas 51.4%
18 of 35 filings · 9 states touched
Seasonal peak
2022-05 9.5%
8–15% band · 2 filings
Corpus ranks
#1,433 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does McKenzie Paul & Associates compare to its peers?

How does McKenzie Paul & Associates compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
McKenzie Paul & Associates National average
Complaints (last 12 mo)lower is better
9
1
268
Timely-response ratehigher is better
90%
94%
91%
Consumer-dispute ratelower is better
0%
15%
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 McKenzie Paul & Associates a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 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 50%60%70%80%90%100%110% 0%50%100%150% Timely response rate (%) Dispute rate (%) McKenzie Paul & Associates vs. 8 similar-volume peers, by response speed and dispute rate McKenzie Paul & AssociatesMcKellar & Associates Group, Inc.Olympic Collection Inc.Law Office of James R. Vaughan, P.C.UNITED AUTO ACCEPTANCEGoogle Compare Credit Cards Inc.VANDERBILT MORTGAGE & FINANCE, INCGeorgia Student Finance AuthorityValley Credit Service, Inc. (OR)
Source: CFPB Consumer Complaint Database

McKenzie Paul & Associates's complaint volume in context

McKenzie Paul & Associates 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)

35 74th percentile higher than 74% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). This entry sits in this band. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 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. McKenzie Paul & Associates 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)

Stable →
2021-02 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
12
Written notification about debt
7
Communication tactics
7
Took or threatened to take negative or legal action
6
False statements or representation
2
Taking/threatening an illegal action
1

Where do complaints against McKenzie Paul & Associates come from?

McKenzie Paul & Associates's own per-state count, not a national baseline.

Top states by complaints against McKenzie Paul & Associates

Across 9 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 McKenzie Paul & Associates: 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: 35.

4 peers

Know your rights before responding to McKenzie Paul & Associates: 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.