Total CFPB complaints
11
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 11 complaints
Samuel Whitaker & Associates LLC — Debt Collector Complaint Profile
CFPB complaint profile across 10 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Samuel Whitaker & Associates LLC
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- Communication tactics
Communication tactics
2 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
2 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
F
Grade F · 49.3/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Samuel Whitaker & Associates LLC?
Samuel Whitaker & Associates LLC has accumulated 11 total CFPB complaints across 10 states, with 5 filed in the most recent 12 months against 6 historical complaints before that window. The trailing-12-month volume represents 45.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened to sue you for very old debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 18% timely-response rate against a 0% 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 10 states, led by Ohio with 2 and New Mexico with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 49.3/100 places Samuel Whitaker & Associates LLC 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
5
45.5% of total history
Rising ↑
States active
10
Distinct state filings
Timely response rate
18%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
49.3/100 composite
Response-quality profile
How Samuel Whitaker & Associates LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 18.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 17.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Samuel Whitaker & Associates LLC compare to its peers?
Samuel Whitaker & Asso… 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)
2015-04 2025-07
Top Consumer Issues
Took or threatened to take negative or legal action4 (%)
Communication tactics2 (%)
Taking/threatening an illegal action2 (%)
Cont'd attempts collect debt not owed1 (%)
False statements or representation1 (%)
Attempts to collect debt not owed1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened to sue you for very 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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 3 |
| Communication tactics | Threatened to take legal action | 2 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 1 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
Where do complaints against Samuel Whitaker & Associates LLC come from?
The states where consumers have filed the most CFPB complaints against Samuel Whitaker & Associates LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Samuel Whitaker & Associates LLC
Across 10 states with at least one filing
- Ohio
Ohio
2 complaints
- New Mexico
New Mexico
1 complaints
- Texas
Texas
1 complaints
- Wisconsin
Wisconsin
1 complaints
- Pennsylvania
Pennsylvania
1 complaints
- Kentucky
Kentucky
1 complaints
- Maine
Maine
1 complaints
- California
California
1 complaints
Frequently Asked Questions
What is the most common complaint against Samuel Whitaker & Associates LLC? ▼
The most common issue consumers report about Samuel Whitaker & Associates LLC is "Took or threatened to take negative or legal action", specifically "Threatened to sue you for very old debt". This is based on 11 complaints filed with the CFPB.
Are complaints against Samuel Whitaker & Associates LLC increasing or decreasing? ▼
Complaints against Samuel Whitaker & Associates LLC are rising. The company received 5 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Samuel Whitaker & Associates LLC's reputation grade? ▼
Samuel Whitaker & Associates LLC has a reputation grade of F (score: 49.3/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Samuel Whitaker & Associates LLC respond to consumer complaints? ▼
Samuel Whitaker & Associates LLC has a 18% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Samuel Whitaker & Associates LLC operate? ▼
Samuel Whitaker & Associates LLC has received CFPB complaints from consumers in 10 states, with the most complaints from Ohio (2 complaints).
What can I do if Samuel Whitaker & Associates 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 Samuel Whitaker & Associates 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 |