Total CFPB complaints
22
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 22 complaints
P&L Acquisitions LLC — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about P&L Acquisitions LLC
- Taking/threatening an illegal action
Taking/threatening an illegal action
13 complaints
- Disclosure verification of debt 4
Disclosure verification of debt
4 complaints
- Communication tactics 2
Communication tactics
2 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
C
Grade C · 59.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about P&L Acquisitions LLC?
P&L Acquisitions LLC has accumulated 22 total CFPB complaints across 13 states, with 0 filed in the most recent 12 months against 22 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 to sue on too old debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 64% timely-response rate against a 5% 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 13 states, led by Florida with 5 and California with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.3/100 places P&L Acquisitions LLC in grade band C, 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
13
Distinct state filings
Timely response rate
64%
Within CFPB SLA window
Consumer disputes
5%
After company response
Reputation grade
C
59.3/100 composite
Response-quality profile
How P&L Acquisitions LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 63.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 10.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 23.2%
Share of US states + territories with at least one filed complaint against this collector.
How does P&L Acquisitions LLC compare to its peers?
P&L Acquisitions LLC 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)
2014-08 2017-09
Top Consumer Issues
Taking/threatening an illegal action13 (%)
Disclosure verification of debt4 (%)
False statements or representation1 (%)
Took or threatened to take negative or legal action1 (%)
Communication tactics2 (%)
Most common issue: Taking/threatening an illegal action — Threatened to sue on too old debt
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 to sue on too old debt | 11 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 1 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Communication tactics | Used obscene/profane/abusive language | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| Disclosure verification of debt | Not disclosed as an attempt to collect | 1 |
Where do complaints against P&L Acquisitions LLC come from?
The states where consumers have filed the most CFPB complaints against P&L Acquisitions LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against P&L Acquisitions LLC
Across 13 states with at least one filing
- Florida
Florida
5 complaints
- California
California
4 complaints
- North Carolina
North Carolina
2 complaints
- Texas
Texas
2 complaints
- Oregon 1
Oregon
1 complaints
- Georgia 1
Georgia
1 complaints
- Arizona 1
Arizona
1 complaints
- Montana 1
Montana
1 complaints
Frequently Asked Questions
What is the most common complaint against P&L Acquisitions LLC? ▼
The most common issue consumers report about P&L Acquisitions LLC is "Taking/threatening an illegal action", specifically "Threatened to sue on too old debt". This is based on 22 complaints filed with the CFPB.
Are complaints against P&L Acquisitions LLC increasing or decreasing? ▼
Complaints against P&L Acquisitions LLC have been stable. The company received 0 complaints in the last 12 months.
What is P&L Acquisitions LLC's reputation grade? ▼
P&L Acquisitions LLC has a reputation grade of C (score: 59.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does P&L Acquisitions LLC respond to consumer complaints? ▼
P&L Acquisitions LLC has a 64% timely response rate to CFPB complaints. Consumers disputed the company's response in 5% of cases.
In how many states does P&L Acquisitions LLC operate? ▼
P&L Acquisitions LLC has received CFPB complaints from consumers in 13 states, with the most complaints from Florida (5 complaints).
What can I do if P&L Acquisitions LLC 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 P&L Acquisitions LLC 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 |