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

CFPB complaint data Grade C 13 complaints

Michael Wayne Investment - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade C.

Complaints by issue type

What consumers report about Michael Wayne Investment

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 63.9/100 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 Wayne Investment ranks ahead of 56% of the 5,283 collectors PlainCollector grades - 44% keep a cleaner CFPB record, on 13 all-time complaints and a 100% timely-response rate.

56th pct
reputation rank of 5,283 graded collectors
13
CFPB complaints, all-time
100%
answered inside the CFPB window
2
in the last 12 months (falling)

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 Wayne Investment?

Michael Wayne Investment has accumulated 13 total CFPB complaints across 6 states, with 2 filed in the most recent 12 months against 11 historical complaints before that window. The trailing-12-month volume represents 15.4% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 100% timely-response rate against a 50% consumer-dispute-after-response rate.

Complaints have been recorded across 6 states, led by Virginia with 7 and California with 2. Normalized against the full CFPB collector database, the reputation score of 63.9/100 places Michael Wayne Investment in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

13

low-volume (CCDB)

Last 12 months

2

15.4% of all-time complaints

Falling ↓

States active

6

regional footprint

Timely response rate

100%

excellent band

Consumer disputes

50%

high (vertical avg ~19%)

Reputation grade

C

63.9/100 composite

How does Michael Wayne Investment's reputation rank nationally?

Reputation score vs. every graded collector

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

64 56th percentile higher than 56% 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 Wayne Investment versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

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

Consumer dispute rate (post-response) 50.0%
Vertical avg

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

State coverage breadth 10.7%

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

How does Michael Wayne Investment compare to its peers?

How does Michael Wayne Investment compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Michael Wayne Investme… National average
Complaints (last 12 mo)lower is better
2
0
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
50%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-04 2020-08

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 5
Attempts to collect debt not owed - 4
Written notification about debt - 1
False statements or representation - 1
Cont'd attempts collect debt not owed - 1
Improper contact or sharing of info - 1

Where do complaints against Michael Wayne Investment come from?

Michael Wayne Investment's own per-state count, not a national baseline.

Top states by complaints against Michael Wayne Investment

Across 6 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Michael Wayne Investment contacts you

A grade of C signals how Michael Wayne Investment'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 Wayne Investment 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 Wayne Investment 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 Wayne Investment? ▼

The most common issue consumers report about Michael Wayne Investment is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 13 complaints filed with the CFPB.

Are complaints against Michael Wayne Investment increasing or decreasing? ▼

Complaints against Michael Wayne Investment are falling. The company received 2 complaints in the last 12 months, showing improvement over prior periods.

What is Michael Wayne Investment's reputation grade? ▼

Michael Wayne Investment has a reputation grade of C (score: 63.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Michael Wayne Investment respond to consumer complaints? ▼

Michael Wayne Investment has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 50% of cases.

In how many states does Michael Wayne Investment operate? ▼

Michael Wayne Investment has received CFPB complaints from consumers in 6 states, with the most complaints from Virginia (7 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.