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

CFPB complaint data Grade B 30 complaints

Scott Lowery Law Office, P.C. - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade B.

Complaints by issue type

What consumers report about Scott Lowery Law Office, P.C.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 65.9/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

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

The verdict

A reputation grade of B: Scott Lowery Law Office, P.C. ranks ahead of 61% of the 5,283 collectors PlainCollector grades - 39% keep a cleaner CFPB record, on 30 all-time complaints and a 93% timely-response rate.

61st pct
reputation rank of 5,283 graded collectors
30
CFPB complaints, all-time
93%
answered inside the CFPB window
0
in the last 12 months (falling)

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 Scott Lowery Law Office, P.C.?

Scott Lowery Law Office, P.C. has accumulated 30 total CFPB complaints across 16 states, with 0 filed in the most recent 12 months against 30 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls". The company posts a 93% timely-response rate against a 12% consumer-dispute-after-response rate.

Complaints have been recorded across 16 states, led by New Jersey with 6 and Colorado with 5. Normalized against the full CFPB collector database, the reputation score of 65.9/100 places Scott Lowery Law Office, P.C. in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

30

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

16

regional footprint

Timely response rate

93%

good band

Consumer disputes

12%

average (vertical avg ~19%)

Reputation grade

B

65.9/100 composite

How does Scott Lowery Law Office, P.C.'s reputation rank nationally?

Reputation score vs. every graded collector

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

66 61st percentile higher than 61% 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%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 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

Scott Lowery Law Office, P.C. versus the debt-collection vertical average.

Timely response within SLA 93.3%
Vertical avg

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

Consumer dispute rate (post-response) 11.5%
Vertical avg

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

State coverage breadth 28.6%

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

How does Scott Lowery Law Office, P.C. compare to its peers?

How does Scott Lowery Law Office, P.C. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Scott Lowery Law Offic… National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
93%
97%
91%
Consumer-dispute ratelower is better
12%
20%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-12 2026-01

Issue Detail Breakdown

Issue Sub-Issue Complaints
Communication tactics - 9
Cont'd attempts collect debt not owed - 9
Improper contact or sharing of info - 4
Taking/threatening an illegal action - 3
Written notification about debt - 2
Took or threatened to take negative or legal action - 1
False statements or representation - 1
Disclosure verification of debt - 1

Where do complaints against Scott Lowery Law Office, P.C. come from?

Scott Lowery Law Office, P.C.'s own per-state count, not a national baseline.

Top states by complaints against Scott Lowery Law Office, P.C.

Across 16 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Scott Lowery Law Office, P.C. contacts you

A grade of B signals how Scott Lowery Law Office, P.C.'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 Scott Lowery Law Office, P.C. 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 Scott Lowery Law Office, P.C. 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 Scott Lowery Law Office, P.C.? ▼

The most common issue consumers report about Scott Lowery Law Office, P.C. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 30 complaints filed with the CFPB.

Are complaints against Scott Lowery Law Office, P.C. increasing or decreasing? ▼

Complaints against Scott Lowery Law Office, P.C. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Scott Lowery Law Office, P.C.'s reputation grade? ▼

Scott Lowery Law Office, P.C. has a reputation grade of B (score: 65.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Scott Lowery Law Office, P.C. respond to consumer complaints? ▼

Scott Lowery Law Office, P.C. has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 12% of cases.

In how many states does Scott Lowery Law Office, P.C. operate? ▼

Scott Lowery Law Office, P.C. has received CFPB complaints from consumers in 16 states, with the most complaints from New Jersey (6 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.