Total CFPB complaints
351
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 351 complaints
Messerli & Kramer P.A. — Debt Collector Complaint Profile
CFPB complaint profile across 14 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Messerli & Kramer P.A.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
73 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
49 complaints
- Written notification about debt
Written notification about debt
44 complaints
- False statements or representation
False statements or representation
32 complaints
- Communication tactics 14
Communication tactics
14 complaints
- Cont'd attempts collect debt not owed 13
Cont'd attempts collect debt not owed
13 complaints
D
Grade D · 56.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Messerli & Kramer P.A.?
Messerli & Kramer P.A. has accumulated 351 total CFPB complaints across 14 states, with 54 filed in the most recent 12 months against 297 historical complaints before that window. The trailing-12-month volume represents 15.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 25% 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 14 states, led by Minnesota with 197 and Wisconsin with 57, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.0/100 places Messerli & Kramer P.A. 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
54
15.4% of total history
Rising ↑
States active
14
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
25%
After company response
Reputation grade
D
56.0/100 composite
Response-quality profile
How Messerli & Kramer P.A. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 50.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 25.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Messerli & Kramer P.A. compare to its peers?
Messerli & Kramer P.A. 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)
2024-04 2026-03
Top Consumer Issues
False statements or representation32 (%)
Took or threatened to take negative or legal action73 (%)
Attempts to collect debt not owed49 (%)
Written notification about debt44 (%)
Communication tactics14 (%)
Cont'd attempts collect debt not owed13 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 32 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 29 |
| Attempts to collect debt not owed | Debt is not yours | 29 |
| Written notification about debt | Didn't receive enough information to verify debt | 23 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 22 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 22 |
| Written notification about debt | Didn't receive notice of right to dispute | 21 |
| Attempts to collect debt not owed | Debt was result of identity theft | 20 |
| Communication tactics | Frequent or repeated calls | 14 |
| Cont'd attempts collect debt not owed | Debt is not mine | 13 |
Where do complaints against Messerli & Kramer P.A. come from?
The states where consumers have filed the most CFPB complaints against Messerli & Kramer P.A.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Messerli & Kramer P.A.
Across 14 states with at least one filing
- Minnesota
Minnesota
197 complaints
- Wisconsin 57
Wisconsin
57 complaints
- North Dakota 27
North Dakota
27 complaints
- Nebraska 21
Nebraska
21 complaints
- South Dakota 17
South Dakota
17 complaints
- Ohio 8
Ohio
8 complaints
- Iowa 6
Iowa
6 complaints
- Montana 5
Montana
5 complaints
Frequently Asked Questions
What is the most common complaint against Messerli & Kramer P.A.? ▼
The most common issue consumers report about Messerli & Kramer P.A. is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 351 complaints filed with the CFPB.
Are complaints against Messerli & Kramer P.A. increasing or decreasing? ▼
Complaints against Messerli & Kramer P.A. are rising. The company received 54 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Messerli & Kramer P.A.'s reputation grade? ▼
Messerli & Kramer P.A. has a reputation grade of D (score: 56.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Messerli & Kramer P.A. respond to consumer complaints? ▼
Messerli & Kramer P.A. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.
In how many states does Messerli & Kramer P.A. operate? ▼
Messerli & Kramer P.A. has received CFPB complaints from consumers in 14 states, with the most complaints from Minnesota (197 complaints).
What can I do if Messerli & Kramer P.A. 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 Messerli & Kramer P.A. 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 |