What is the most common complaint against Pankey & Horlock, LLC?

The most common issue consumers report about Pankey & Horlock, LLC is "Took or threatened to take negative or legal action", specifically "Sued you without properly notifying you of lawsuit". This is based on 4 complaints filed with the CFPB.

Are complaints against Pankey & Horlock, LLC increasing or decreasing?

Complaints against Pankey & Horlock, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Pankey & Horlock, LLC's reputation grade?

Pankey & Horlock, LLC has a reputation grade of F (score: 41.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Pankey & Horlock, LLC respond to consumer complaints?

Pankey & Horlock, LLC has a 25% timely response rate to CFPB complaints.

In how many states does Pankey & Horlock, LLC operate?

Pankey & Horlock, LLC has received CFPB complaints from consumers in 1 states, with the most complaints from Georgia (4 complaints).

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

Pankey & Horlock, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade F.

Compiled by PlainCollector

Took or threatened to take negative or legal action

2
Written notification about debt

1
False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record pankey-horlock-llc Pankey & Horlock, LLC

Grade F · 4 CFPB filings · 25% timely · lead issue: Took or threatened to take negative or legal action · vol #3461 · compose #4858

VOL 4
GRADE F
12MO 0
STATES 1
TIMELY 25%
ISSUE Took or threatened to take…
RANK #3,461
COMPOSE #4,858

Volume peers

Nearest volume peer: 90 Day Credit Experts (4 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Pankey & Horlock, LLC's 4 CFPB complaints sit next to 90 Day Credit Experts 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 →

State-heavy filing map

100.0% of Pankey & Horlock, LLC's CFPB filings land in Georgia

High volume does not equal a clean composite: Pankey & Horlock, LLC is volume #3,461 but composite #4,858, while Georgia dominates the geography. Corpus placement method.

Dominant state: Georgia 100.0%; 4 of 4 filings · 1 states touched
Spike month: 2018-02 50.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,461 volume; #4,858 composite; Cleanest-composite ladder is 1,397 places worse than volume

How does Pankey & Horlock, LLC compare to its peers?

How does Pankey & Horlock, 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

Pankey & Horlock, LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

25%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-02 2025-08

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	2
Written notification about debt	1
False statements or representation	1

Where do complaints against Pankey & Horlock, LLC come from?

Pankey & Horlock, LLC's own per-state count, not a national baseline.

Georgia

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Pankey & Horlock, 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: 4.

4 peers

Know your rights before responding to Pankey & Horlock, 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.