What is the most common complaint against Paul Michael Marketing Service?

The most common issue consumers report about Paul Michael Marketing Service is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 46 complaints filed with the CFPB.

Are complaints against Paul Michael Marketing Service increasing or decreasing?

Complaints against Paul Michael Marketing Service are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Paul Michael Marketing Service's reputation grade?

Paul Michael Marketing Service has a reputation grade of C (score: 58.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Paul Michael Marketing Service respond to consumer complaints?

Paul Michael Marketing Service has a 80% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Paul Michael Marketing Service operate?

Paul Michael Marketing Service has received CFPB complaints from consumers in 5 states, with the most complaints from New York (37 complaints).

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

Paul Michael Marketing Service - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

16
Written notification about debt

12
Disclosure verification of debt

9
Cont'd attempts collect debt not owed

6
Took or threatened to take negative or legal action

2
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record paul-michael-marketing-service Paul Michael Marketing Service

Grade C · 46 CFPB filings · 80% timely · lead issue: Attempts to collect debt not owed · vol #1252 · compose #2597

VOL 46
GRADE C
12MO 0
STATES 5
TIMELY 80%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #1,252
COMPOSE #2,597

Volume peers

Nearest volume peer: Armstrong and Associates, Inc (46 complaints)

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

Paul Michael Marketing Service's 46 CFPB complaints sit next to Armstrong and Associates, Inc 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

80.4% of Paul Michael Marketing Service's CFPB filings land in New York

High volume does not equal a clean composite: Paul Michael Marketing Service is volume #1,252 but composite #2,597, while New York dominates the geography. Corpus placement method.

Dominant state: New York 80.4%; 37 of 46 filings · 5 states touched
Seasonal peak: 2018-07 9.1%; 8–15% band · 2 filings
Divergent corpus ranks: #1,252 volume; #2,597 composite; Cleanest-composite ladder is 1,345 places worse than volume

How does Paul Michael Marketing Service compare to its peers?

How does Paul Michael Marketing Service compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Paul Michael Marketing… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

80%

96%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-02 2022-07

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	16
Written notification about debt	12
Disclosure verification of debt	9
Cont'd attempts collect debt not owed	6
Took or threatened to take negative or legal action	2
Communication tactics	1

Where do complaints against Paul Michael Marketing Service come from?

Paul Michael Marketing Service's own per-state count, not a national baseline.

New York

37
New Jersey

6
Florida

1
North Carolina

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Paul Michael Marketing Service: 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: 46.

4 peers

Know your rights before responding to Paul Michael Marketing Service: 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.