Total CFPB complaints
10
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 10 complaints
SIMMONS FIRST NATIONAL CORPORATION — Debt Collector Complaint Profile
CFPB complaint profile across 8 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about SIMMONS FIRST NATIONAL CORPORATION
- Attempts to collect debt not owed
Attempts to collect debt not owed
5 complaints
- Communication tactics
Communication tactics
2 complaints
- False statements or representation
False statements or representation
2 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 · 62.2/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about SIMMONS FIRST NATIONAL CORPORATION?
SIMMONS FIRST NATIONAL CORPORATION has accumulated 10 total CFPB complaints across 8 states, with 3 filed in the most recent 12 months against 7 historical complaints before that window. The trailing-12-month volume represents 30.0% 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 90% 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 8 states, led by Tennessee with 2 and Arkansas with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 62.2/100 places SIMMONS FIRST NATIONAL CORPORATION 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
3
30.0% of total history
Rising ↑
States active
8
Distinct state filings
Timely response rate
90%
Within CFPB SLA window
Reputation grade
C
62.2/100 composite
Response-quality profile
How SIMMONS FIRST NATIONAL CORPORATION performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 90.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 14.3%
Share of US states + territories with at least one filed complaint against this collector.
How does SIMMONS FIRST NATIONAL CORPORATION compare to its peers?
SIMMONS FIRST NATIONAL… 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)
2019-04 2025-09
Top Consumer Issues
Attempts to collect debt not owed5 (%)
Communication tactics2 (%)
Took or threatened to take negative or legal action1 (%)
False statements or representation2 (%)
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 | 3 |
| Communication tactics | Frequent or repeated calls | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
Where do complaints against SIMMONS FIRST NATIONAL CORPORATION come from?
The states where consumers have filed the most CFPB complaints against SIMMONS FIRST NATIONAL CORPORATION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against SIMMONS FIRST NATIONAL CORPORATION
Across 8 states with at least one filing
- Tennessee
Tennessee
2 complaints
- Arkansas
Arkansas
2 complaints
- Florida
Florida
1 complaints
- California
California
1 complaints
- Missouri
Missouri
1 complaints
- Georgia
Georgia
1 complaints
- Texas
Texas
1 complaints
- Nevada
Nevada
1 complaints
Frequently Asked Questions
What is the most common complaint against SIMMONS FIRST NATIONAL CORPORATION? ▼
The most common issue consumers report about SIMMONS FIRST NATIONAL CORPORATION is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 10 complaints filed with the CFPB.
Are complaints against SIMMONS FIRST NATIONAL CORPORATION increasing or decreasing? ▼
Complaints against SIMMONS FIRST NATIONAL CORPORATION are rising. The company received 3 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is SIMMONS FIRST NATIONAL CORPORATION's reputation grade? ▼
SIMMONS FIRST NATIONAL CORPORATION has a reputation grade of C (score: 62.2/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does SIMMONS FIRST NATIONAL CORPORATION respond to consumer complaints? ▼
SIMMONS FIRST NATIONAL CORPORATION has a 90% timely response rate to CFPB complaints.
In how many states does SIMMONS FIRST NATIONAL CORPORATION operate? ▼
SIMMONS FIRST NATIONAL CORPORATION has received CFPB complaints from consumers in 8 states, with the most complaints from Tennessee (2 complaints).
What can I do if SIMMONS FIRST NATIONAL CORPORATION 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 SIMMONS FIRST NATIONAL CORPORATION 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 |