Total CFPB complaints
13
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 13 complaints
Michael Wayne Investment — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Michael Wayne Investment
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
5 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
4 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
C
Grade C · 63.9/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Michael Wayne Investment?
Michael Wayne Investment has accumulated 13 total CFPB complaints across 6 states, with 5 filed in the most recent 12 months against 8 historical complaints before that window. The trailing-12-month volume represents 38.5% 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 "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 50% 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 6 states, led by Virginia with 7 and California with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.9/100 places Michael Wayne Investment 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
5
38.5% of total history
Rising ↑
States active
6
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
50%
After company response
Reputation grade
C
63.9/100 composite
Response-quality profile
How Michael Wayne Investment performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 100.0%
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?
Michael Wayne Investme… 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)
2016-05 2026-01
Top Consumer Issues
Took or threatened to take negative or legal action5 (%)
Attempts to collect debt not owed4 (%)
Cont'd attempts collect debt not owed1 (%)
Improper contact or sharing of info1 (%)
Written notification about debt1 (%)
False statements or representation1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Took or threatened to take negative or legal action | Sued you in a state where you do not live or did not sign for the debt | 2 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Improper contact or sharing of info | Contacted me after I asked not to | 1 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
Where do complaints against Michael Wayne Investment come from?
The states where consumers have filed the most CFPB complaints against Michael Wayne Investment. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Michael Wayne Investment
Across 6 states with at least one filing
- Virginia
Virginia
7 complaints
- California 2
California
2 complaints
- New York 1
New York
1 complaints
- Maryland 1
Maryland
1 complaints
- South Carolina 1
South Carolina
1 complaints
- Missouri 1
Missouri
1 complaints
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 rising. The company received 5 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Michael Wayne Investment's reputation grade? ▼
Michael Wayne Investment has a reputation grade of C (score: 63.9/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Michael Wayne Investment 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 Michael Wayne Investment 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 |