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

CFPB complaint data Grade D 330 complaints

Phillips & Cohen Associates, Ltd. - Debt Collector Complaint Profile

CFPB complaint profile across 45 states, reputation grade D.

Complaints by issue type

What consumers report about Phillips & Cohen Associates, Ltd.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record phillips-cohen-associates-ltd Phillips & Cohen Associates, Ltd.

Grade D · 330 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #375 · compose #111

  • VOL 330
  • GRADE D
  • 12MO 60
  • STATES 45
  • TIMELY 99%
  • DISPUTE 17%
  • ISSUE Attempts to collect debt n…
  • RANK #375
  • COMPOSE #111

Volume peers

Nearest volume peer: North Shore Agency, LLC (330 complaints)

Express Recovery Services, Inc.Express Recovery Services, I…328North Shore Agency, LLCNorth Shore Agency, LLC330Phillips & Cohen Associates, Ltd. (this)Phillips & Cohen Associates,…330Cascade Capital, LLCCascade Capital, LLC331Second Round Limited Partnership, Austin, TX BranchSecond Round Limited Partner…332
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Phillips & Cohen Associates, Ltd.'s 330 CFPB complaints sit next to North Shore Agency, LLC 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 →

How the 330 complaints break down

Every complaint issue type on record for Phillips & Cohen Associates, Ltd., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
55.5/100
Phillips & Cohen Associates, Ltd.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
330
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
17%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Phillips & Cohen Associates, Ltd. spreads filings across 45 states - New York leads at only 12.1%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
New York still leads at 12.1% across 45 states
Seasonal peak
2025-12 10.6%
8–15% band · 84 filings
Corpus ranks
#375 volume
#111 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Phillips & Cohen Associates, Ltd. compare to its peers?

How does Phillips & Cohen Associates, Ltd. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Phillips & Cohen Associates, Ltd. National average
Complaints (last 12 mo)lower is better
60
0
268
Timely-response ratehigher is better
99%
100%
91%
Consumer-dispute ratelower is better
17%
7%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Phillips & Cohen Associates, Ltd. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Phillips & Cohen Associates, Ltd. vs. 10 similar-volume peers, by response speed and dispute rate Phillips & Cohen Associates, Ltd.North Shore Agency, LLCCascade Capital, LLCExpress Recovery Services, Inc.Second Round Limited Partnership, Austin, TX BranchAccount Control Technology, Inc.Avadyne Health Holdings, IncCOAST PROFESSIONAL, INC.Global Credit & Collection CorporationSTATE EMPLOYEES CREDIT UNIONJohnson Mark LLC
Source: CFPB Consumer Complaint Database

Phillips & Cohen Associates, Ltd.'s complaint volume in context

Phillips & Cohen Associates, Ltd. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

330 Top 7% higher than 93% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Phillips & Cohen Associates, Ltd. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
101
Communication tactics
53
Written notification about debt
43
Cont'd attempts collect debt not owed
38
False statements or representation
33
Disclosure verification of debt
22
Took or threatened to take negative or legal action
19
Improper contact or sharing of info
11
Electronic communications
7
Taking/threatening an illegal action
3

Where do complaints against Phillips & Cohen Associates, Ltd. come from?

Phillips & Cohen Associates, Ltd.'s own per-state count, not a national baseline.

Top states by complaints against Phillips & Cohen Associates, Ltd.

Across 45 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Phillips & Cohen Associates, Ltd.: 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: 330.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.36305732484077%.

4 peers

Know your rights before responding to Phillips & Cohen Associates, Ltd.: 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.