What is the most common complaint against Phillips & Cohen Associates, Ltd.?

The most common issue consumers report about Phillips & Cohen Associates, Ltd. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 330 complaints filed with the CFPB.

Are complaints against Phillips & Cohen Associates, Ltd. increasing or decreasing?

Complaints against Phillips & Cohen Associates, Ltd. have been stable. The company received 60 complaints in the last 12 months.

What is Phillips & Cohen Associates, Ltd.'s reputation grade?

Phillips & Cohen Associates, Ltd. has a reputation grade of D (score: 55.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Phillips & Cohen Associates, Ltd. respond to consumer complaints?

Phillips & Cohen Associates, Ltd. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does Phillips & Cohen Associates, Ltd. operate?

Phillips & Cohen Associates, Ltd. has received CFPB complaints from consumers in 45 states, with the most complaints from New York (40 complaints).

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

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

CFPB complaint profile across 45 states, reputation grade D.

Compiled by PlainCollector

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

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 #3260

VOL 330
GRADE D
12MO 60
STATES 45
TIMELY 99%
DISPUTE 17%
ISSUE Attempts to collect debt n…
RANK #375
COMPOSE #3,260

Volume peers

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

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 →

Distributed filing map

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

Despite a broad state map, Phillips & Cohen Associates, Ltd. still sits volume #375 against composite #3,260 - the two RankMaps diverge by 2,885 places. 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
Divergent corpus ranks: #375 volume; #3,260 composite; Cleanest-composite ladder is 2,885 places worse than volume

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 Assoc… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

100%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

New York

40
California

32
Florida

29
Georgia

22
Texas

16
Illinois

15
Pennsylvania

14
Ohio

11

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.