Total CFPB complaints
292
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 292 complaints
SG and Associates — Debt Collector Complaint Profile
CFPB complaint profile across 40 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about SG and Associates
- Attempts to collect debt not owed
Attempts to collect debt not owed
112 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
62 complaints
- Written notification about debt
Written notification about debt
46 complaints
- False statements or representation 24
False statements or representation
24 complaints
- Communication tactics 13
Communication tactics
13 complaints
F
Grade F · 37.2/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about SG and Associates?
SG and Associates has accumulated 292 total CFPB complaints across 40 states, with 118 filed in the most recent 12 months against 174 historical complaints before that window. The trailing-12-month volume represents 40.4% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 62% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 40 states, led by Texas with 91 and Florida with 36, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 37.2/100 places SG and 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
118
40.4% of total history
Rising ↑
States active
40
Distinct state filings
Timely response rate
62%
Within CFPB SLA window
Reputation grade
F
37.2/100 composite
Response-quality profile
How SG and Associates performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 62.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 71.4%
Share of US states + territories with at least one filed complaint against this collector.
How does SG and Associates compare to its peers?
SG and Associates 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed112 (%)
Took or threatened to take negative or legal action62 (%)
False statements or representation24 (%)
Written notification about debt46 (%)
Communication tactics13 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 69 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 51 |
| Attempts to collect debt not owed | Debt was result of identity theft | 29 |
| False statements or representation | Attempted to collect wrong amount | 24 |
| Written notification about debt | Didn't receive enough information to verify debt | 24 |
| Written notification about debt | Didn't receive notice of right to dispute | 15 |
| Attempts to collect debt not owed | Debt was paid | 14 |
| Communication tactics | Frequent or repeated calls | 13 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 11 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 7 |
Where do complaints against SG and Associates come from?
The states where consumers have filed the most CFPB complaints against SG and Associates. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against SG and Associates
Across 40 states with at least one filing
- Texas
Texas
91 complaints
- Florida 36
Florida
36 complaints
- Georgia 21
Georgia
21 complaints
- California 16
California
16 complaints
- New York 14
New York
14 complaints
- North Carolina 13
North Carolina
13 complaints
- Pennsylvania 10
Pennsylvania
10 complaints
- Ohio 9
Ohio
9 complaints
Frequently Asked Questions
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 292 complaints filed with the CFPB.
Are complaints against SG and Associates increasing or decreasing? ▼
Complaints against SG and Associates are rising. The company received 118 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: 37.2/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 40 states, with the most complaints from Texas (91 complaints).
What can I do if SG and 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 SG and 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 |