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

CFPB complaint data Grade C 62 complaints

Michael J Adams PC - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade C.

Complaints by issue type

What consumers report about Michael J Adams PC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 62.6/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Michael J Adams PC ranks ahead of 51% of the 5,283 collectors PlainCollector grades - 49% keep a cleaner CFPB record, on 62 all-time complaints and a 85% timely-response rate.

51st pct
reputation rank of 5,283 graded collectors
62
CFPB complaints, all-time
85%
answered inside the CFPB window
19
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Michael J Adams PC?

Michael J Adams PC has accumulated 62 total CFPB complaints across 5 states, with 19 filed in the most recent 12 months against 43 historical complaints before that window. The trailing-12-month volume represents 30.6% 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 "Took or threatened to take negative or legal action", narrowing to "Didn't receive notice of right to dispute". The company posts a 85% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 5 states, led by Texas with 57 and Florida with 1. Normalized against the full CFPB collector database, the reputation score of 62.6/100 places Michael J Adams PC in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

62

low-volume (CCDB)

Last 12 months

19

30.6% of all-time complaints

Rising ↑

States active

5

regional footprint

Timely response rate

85%

acceptable band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

C

62.6/100 composite

How does Michael J Adams PC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

63 51st percentile higher than 51% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Michael J Adams PC versus the debt-collection vertical average.

Timely response within SLA 85.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 0.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 8.9%

Share of US states + territories with at least one filed complaint against this collector.

How does Michael J Adams PC compare to its peers?

How does Michael J Adams PC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Michael J Adams PC National average
Complaints (last 12 mo)lower is better
19
28
268
Timely-response ratehigher is better
85%
90%
91%
Consumer-dispute ratelower is better
0%
29%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-11 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 25
Written notification about debt - 16
Attempts to collect debt not owed - 13
False statements or representation - 5
Electronic communications - 2
Communication tactics - 1

Where do complaints against Michael J Adams PC come from?

Michael J Adams PC's own per-state count, not a national baseline.

Top states by complaints against Michael J Adams PC

Across 5 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Michael J Adams PC contacts you

A grade of C signals how Michael J Adams PC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Michael J Adams PC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Michael J Adams PC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Michael J Adams PC? ▼

The most common issue consumers report about Michael J Adams PC is "Took or threatened to take negative or legal action", specifically "Didn't receive notice of right to dispute". This is based on 62 complaints filed with the CFPB.

Are complaints against Michael J Adams PC increasing or decreasing? ▼

Complaints against Michael J Adams PC are rising. The company received 19 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Michael J Adams PC's reputation grade? ▼

Michael J Adams PC has a reputation grade of C (score: 62.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Michael J Adams PC respond to consumer complaints? ▼

Michael J Adams PC has a 85% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Michael J Adams PC operate? ▼

Michael J Adams PC has received CFPB complaints from consumers in 5 states, with the most complaints from Texas (57 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.