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

Data updated July 2026

D

Grade D · 58.2/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Phillips & Cohen Associates, Ltd. ranks ahead of 36% of the 5,283 collectors PlainCollector grades - 64% keep a cleaner CFPB record, on 330 all-time complaints and a 99% timely-response rate.

36th pct
reputation rank of 5,283 graded collectors
330
CFPB complaints, all-time
99%
answered inside the CFPB window
60
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Phillips & Cohen Associates, Ltd.?

Phillips & Cohen Associates, Ltd. has accumulated 330 total CFPB complaints across 45 states, with 60 filed in the most recent 12 months against 270 historical complaints before that window. The trailing-12-month volume represents 18.2% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 99% timely-response rate against a 17% consumer-dispute-after-response rate.

Complaints have been recorded across 45 states, led by New York with 40 and California with 32. Normalized against the full CFPB collector database, the reputation score of 58.2/100 places Phillips & Cohen Associates, Ltd. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

330

mid-volume (CCDB)

Last 12 months

60

18.2% of all-time complaints

Stable →

States active

45

multi-region footprint

Timely response rate

99%

excellent band

Consumer disputes

17%

average (vertical avg ~19%)

Reputation grade

D

58.2/100 composite

How does Phillips & Cohen Associates, Ltd.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

58 36th percentile higher than 36% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Phillips & Cohen Associates, Ltd. versus the debt-collection vertical average.

Timely response within SLA 99.4%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 17.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 80.4%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Phillips & Cohen Assoc… 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Phillips & Cohen Associates, Ltd. contacts you

A grade of D signals how Phillips & Cohen Associates, Ltd.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Phillips & Cohen Associates, Ltd. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Phillips & Cohen Associates, Ltd. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 58.2/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.