Total CFPB complaints
21
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 21 complaints
Phillips, Reinhard & Associates — Debt Collector Complaint Profile
CFPB complaint profile across 12 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Phillips, Reinhard & Associates
- Taking/threatening an illegal action
Taking/threatening an illegal action
6 complaints
- Communication tactics
Communication tactics
6 complaints
- False statements or representation
False statements or representation
4 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
3 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
F
Grade F · 44.7/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Phillips, Reinhard & Associates?
Phillips, Reinhard & Associates has accumulated 21 total CFPB complaints across 12 states, with 0 filed in the most recent 12 months against 21 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Taking/threatening an illegal action", narrowing to "Threatened arrest/jail if do not pay", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 24% timely-response rate against a 10% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 12 states, led by Virginia with 4 and Texas with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 44.7/100 places Phillips, Reinhard & Associates in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
12
Distinct state filings
Timely response rate
24%
Within CFPB SLA window
Consumer disputes
10%
After company response
Reputation grade
F
44.7/100 composite
Response-quality profile
How Phillips, Reinhard & Associates performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 23.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 19.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 21.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Phillips, Reinhard & Associates compare to its peers?
Phillips, Reinhard & A… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2014-07 2015-10
Top Consumer Issues
Taking/threatening an illegal action6 (%)
Communication tactics6 (%)
False statements or representation4 (%)
Improper contact or sharing of info3 (%)
Cont'd attempts collect debt not owed2 (%)
Most common issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 5 |
| Communication tactics | Frequent or repeated calls | 4 |
| False statements or representation | Impersonated an attorney or official | 4 |
| Communication tactics | Threatened to take legal action | 2 |
| Improper contact or sharing of info | Talked to a third party about my debt | 2 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 1 |
| Improper contact or sharing of info | Contacted employer after asked not to | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
Where do complaints against Phillips, Reinhard & Associates come from?
The states where consumers have filed the most CFPB complaints against Phillips, Reinhard & Associates. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Phillips, Reinhard & Associates
Across 12 states with at least one filing
- Virginia
Virginia
4 complaints
- Texas
Texas
3 complaints
- Colorado
Colorado
2 complaints
- Michigan
Michigan
2 complaints
- Louisiana
Louisiana
2 complaints
- Illinois 1
Illinois
1 complaints
- California 1
California
1 complaints
- Washington 1
Washington
1 complaints
Frequently Asked Questions
What is the most common complaint against Phillips, Reinhard & Associates? ▼
The most common issue consumers report about Phillips, Reinhard & Associates is "Taking/threatening an illegal action", specifically "Threatened arrest/jail if do not pay". This is based on 21 complaints filed with the CFPB.
Are complaints against Phillips, Reinhard & Associates increasing or decreasing? ▼
Complaints against Phillips, Reinhard & Associates have been stable. The company received 0 complaints in the last 12 months.
What is Phillips, Reinhard & Associates's reputation grade? ▼
Phillips, Reinhard & Associates has a reputation grade of F (score: 44.7/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Phillips, Reinhard & Associates respond to consumer complaints? ▼
Phillips, Reinhard & Associates has a 24% timely response rate to CFPB complaints. Consumers disputed the company's response in 10% of cases.
In how many states does Phillips, Reinhard & Associates operate? ▼
Phillips, Reinhard & Associates has received CFPB complaints from consumers in 12 states, with the most complaints from Virginia (4 complaints).
What can I do if Phillips, Reinhard & Associates is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Phillips, Reinhard & Associates violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |