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

CFPB complaint data Grade B 11 complaints

Michael Andrews & Associates LLC - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade B.

Complaints by issue type

What consumers report about Michael Andrews & Associates LLC

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

Data updated September 2026

CFPB complaint disposition

CCDB record michael-andrews-associates-llc Michael Andrews & Associates LLC

Grade B · 11 CFPB filings · 91% timely · lead issue: Cont'd attempts collect debt not owed

  • VOL 11
  • GRADE B
  • 12MO 1
  • STATES 6
  • TIMELY 91%
  • DISPUTE 14%
  • ISSUE Cont'd attempts collect de…
  • RANK #2,427
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Accounts Interchange Group LLC (11 complaints)

Accounts Interchange Group LLCAccounts Interchange Group L…11Acknowledge Debt ResolutionsAcknowledge Debt Resolutions11Adela, IncAdela, Inc11Affirmative Law, PCAffirmative Law, PC11Michael Andrews & Associates LLC (this)Michael Andrews & Associates…11
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Michael Andrews & Associates LLC's 11 CFPB complaints sit next to Accounts Interchange Group LLC 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 11 complaints break down

Every complaint issue type on record for Michael Andrews & Associates LLC, not just the top ones shown above.

Reputation score breakdown

B
Composite reputation score
67.0/100
Michael Andrews & Associates LLC

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 C
11
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
91%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
14%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Spiky monthly series

Florida is the plurality state for Michael Andrews & Associates LLC (27.3%)

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. Corpus placement method.

Plurality state
Florida 27.3%
Mid-band (15–30%) · 6 states with ≥1 filing
Spike month
2016-11 20.0%
1 filings that month · spiky (≥15% of series)
Corpus ranks
#2,427 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Michael Andrews & Associates LLC compare to its peers?

How does Michael Andrews & 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
Michael Andrews & Associates LLC National average
Complaints (last 12 mo)lower is better
1
6
268
Timely-response ratehigher is better
91%
82%
91%
Consumer-dispute ratelower is better
14%
0%
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 Michael Andrews & Associates LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 5 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 0%50%100%150% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Michael Andrews & Associates LLC vs. 4 similar-volume peers, by response speed and dispute rate Michael Andrews & Associates LLCMORGAN STANLEY & CO. LLCNational Capital SolutionsNational Processing Group LLCNewman, Mathis, Brady & Spedale
Source: CFPB Consumer Complaint Database

Michael Andrews & Associates LLC's complaint volume in context

Michael Andrews & Associates LLC 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)

11 55th percentile higher than 55% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 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. Michael Andrews & Associates LLC 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)

Falling ↓
2016-11 2024-10

Issue Detail Breakdown

Issue Complaints
Cont'd attempts collect debt not owed
3
Communication tactics
2
Attempts to collect debt not owed
1
Written notification about debt
1
Took or threatened to take negative or legal action
1
Disclosure verification of debt
1
Improper contact or sharing of info
1
Taking/threatening an illegal action
1

Where do complaints against Michael Andrews & Associates LLC come from?

Michael Andrews & Associates LLC's own per-state count, not a national baseline.

Top states by complaints against Michael Andrews & Associates LLC

Across 6 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 Michael Andrews & 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: 11.

4 peers

Know your rights before responding to Michael Andrews & 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.