Total CFPB complaints
36
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 36 complaints
Mel S. Harris and Associates, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Mel S. Harris and Associates, LLC
- Taking/threatening an illegal action
Taking/threatening an illegal action
13 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
8 complaints
- Disclosure verification of debt
Disclosure verification of debt
7 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
C
Grade C · 64.9/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Mel S. Harris and Associates, LLC?
Mel S. Harris and Associates, LLC has accumulated 36 total CFPB complaints across 4 states, with 0 filed in the most recent 12 months against 36 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 89% timely-response rate against a 6% 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 4 states, led by New York with 28 and Florida with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.9/100 places Mel S. Harris and Associates, LLC 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
0
0.0% of total history
Stable →
States active
4
Distinct state filings
Timely response rate
89%
Within CFPB SLA window
Consumer disputes
6%
After company response
Reputation grade
C
64.9/100 composite
Response-quality profile
How Mel S. Harris and Associates, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 88.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 12.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Mel S. Harris and Associates, LLC compare to its peers?
Mel S. Harris and Asso… 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)
2013-08 2021-07
Top Consumer Issues
Cont'd attempts collect debt not owed8 (%)
Taking/threatening an illegal action13 (%)
Disclosure verification of debt7 (%)
False statements or representation2 (%)
Written notification about debt1 (%)
Improper contact or sharing of info1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 6 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 5 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 5 |
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 3 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 2 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Improper contact or sharing of info | Contacted employer after asked not to | 1 |
Where do complaints against Mel S. Harris and Associates, LLC come from?
The states where consumers have filed the most CFPB complaints against Mel S. Harris and Associates, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Mel S. Harris and Associates, LLC
Across 4 states with at least one filing
- New York
New York
28 complaints
- Florida 4
Florida
4 complaints
- New Jersey 2
New Jersey
2 complaints
- Texas 1
Texas
1 complaints
Frequently Asked Questions
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 "Cont'd attempts collect debt not owed", 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 have been stable. The company received 0 complaints in the last 12 months.
What is Mel S. Harris and Associates, LLC's reputation grade? ▼
Mel S. Harris and Associates, LLC has a reputation grade of C (score: 64.9/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Mel S. Harris and Associates, 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 Mel S. Harris and Associates, 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 |