What is the most common complaint against SG and Associates?

The most common issue consumers report about SG and Associates is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 348 complaints filed with the CFPB.

Are complaints against SG and Associates increasing or decreasing?

Complaints against SG and Associates are rising. The company received 151 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is SG and Associates's reputation grade?

SG and Associates has a reputation grade of F (score: 34.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does SG and Associates respond to consumer complaints?

SG and Associates has a 62% timely response rate to CFPB complaints.

In how many states does SG and Associates operate?

SG and Associates has received CFPB complaints from consumers in 43 states, with the most complaints from Texas (124 complaints).

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

SG and Associates - Debt Collector Complaint Profile

CFPB complaint profile across 43 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

128
Took or threatened to take negative or legal action

95
Written notification about debt

51
False statements or representation

40
Communication tactics

25
Threatened to contact someone or share information improperly

7

Data updated September 2026

CFPB complaint disposition

CCDB record sg-and-associates SG and Associates

Grade F · 348 CFPB filings · 62% timely · lead issue: Attempts to collect debt not owed · vol #357 · compose #5119

VOL 348
GRADE F
12MO 151
STATES 43
TIMELY 62%
ISSUE Attempts to collect debt n…
RANK #357
COMPOSE #5,119

Volume peers

Nearest volume peer: Property Receivables, Corp (348 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

SG and Associates's 348 CFPB complaints sit next to Property Receivables, Corp on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

35.6% of SG and Associates's CFPB filings land in Texas

High volume does not equal a clean composite: SG and Associates is volume #357 but composite #5,119, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 35.6%; 124 of 348 filings · 43 states touched
Seasonal peak: 2026-02 14.2%; 8–15% band · 65 filings
Divergent corpus ranks: #357 volume; #5,119 composite; Cleanest-composite ladder is 4,762 places worse than volume

How does SG and Associates compare to its peers?

How does SG and Associates compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

SG and Associates National average

Complaints (last 12 mo)lower is better

151

219

268

Timely-response ratehigher is better

62%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	128
Took or threatened to take negative or legal action	95
Written notification about debt	51
False statements or representation	40
Communication tactics	25
Threatened to contact someone or share information improperly	7
Electronic communications	2

Where do complaints against SG and Associates come from?

SG and Associates's own per-state count, not a national baseline.

Texas

124
Florida

41
Georgia

22
California

18
North Carolina

18
New York

14
Pennsylvania

10
Ohio

9

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for SG and Associates: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 348.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 62.328767123287676%.

4 peers

Know your rights before responding to SG and Associates: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.