What is the most common complaint against Mel S. Harris and Associates, LLC?

The most common issue consumers report about Mel S. Harris and Associates, LLC is "Taking/threatening an illegal action", specifically "Debt is not mine". This is based on 36 complaints filed with the CFPB.

Are complaints against Mel S. Harris and Associates, LLC increasing or decreasing?

Complaints against Mel S. Harris and Associates, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Mel S. Harris and Associates, LLC's reputation grade?

Mel S. Harris and Associates, LLC has a reputation grade of C (score: 61.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Mel S. Harris and Associates, LLC respond to consumer complaints?

Mel S. Harris and Associates, LLC has a 89% timely response rate to CFPB complaints. Consumers disputed the company's response in 6% of cases.

In how many states does Mel S. Harris and Associates, LLC operate?

Mel S. Harris and Associates, LLC has received CFPB complaints from consumers in 4 states, with the most complaints from New York (28 complaints).

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

Mel S. Harris and Associates, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade C.

Compiled by PlainCollector

Taking/threatening an illegal action

13
Cont'd attempts collect debt not owed

9
Disclosure verification of debt

7
False statements or representation

2
Communication tactics

2
Written notification about debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record mel-s-harris-and-associates-llc Mel S. Harris and Associates, LLC

Grade C · 36 CFPB filings · 89% timely · lead issue: Taking/threatening an illegal action · vol #1412 · compose #2206

VOL 36
GRADE C
12MO 0
STATES 4
TIMELY 89%
DISPUTE 6%
ISSUE Taking/threatening an ille…
RANK #1,412
COMPOSE #2,206

Volume peers

Nearest volume peer: Affiliated Management Services (36 complaints)

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

Mel S. Harris and Associates, LLC's 36 CFPB complaints sit next to Affiliated Management Services 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

77.8% of Mel S. Harris and Associates, LLC's CFPB filings land in New York

High volume does not equal a clean composite: Mel S. Harris and Associates, LLC is volume #1,412 but composite #2,206, while New York dominates the geography. Corpus placement method.

Dominant state: New York 77.8%; 28 of 36 filings · 4 states touched
Seasonal peak: 2020-12 14.8%; 8–15% band · 4 filings
Divergent corpus ranks: #1,412 volume; #2,206 composite; Cleanest-composite ladder is 794 places worse than volume

How does Mel S. Harris and Associates, LLC compare to its peers?

How does Mel S. Harris and Associates, 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

Mel S. Harris and Asso… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

89%

47%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-07 2025-12

Issue Detail Breakdown

Issue	Complaints
Taking/threatening an illegal action	13
Cont'd attempts collect debt not owed	9
Disclosure verification of debt	7
False statements or representation	2
Communication tactics	2
Written notification about debt	1
Took or threatened to take negative or legal action	1
Improper contact or sharing of info	1

Where do complaints against Mel S. Harris and Associates, LLC come from?

Mel S. Harris and Associates, LLC's own per-state count, not a national baseline.

New York

28
Florida

4
New Jersey

2
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Mel S. Harris and Associates, 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: 36.

4 peers

Know your rights before responding to Mel S. Harris and Associates, 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.