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

CFPB complaint data Grade F 104 complaints

Smith Debnam Narron Drake Saintsing & Myers LLP - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade F.

Complaints by issue type

What consumers report about Smith Debnam Narron Drake Saintsing & Myers LLP

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 52.0/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: Smith Debnam Narron Drake Saintsing & Myers LLP ranks ahead of 19% of the 5,283 collectors PlainCollector grades - 81% keep a cleaner CFPB record, on 104 all-time complaints and a 98% timely-response rate.

19th pct
reputation rank of 5,283 graded collectors
104
CFPB complaints, all-time
98%
answered inside the CFPB window
13
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 Smith Debnam Narron Drake Saintsing & Myers LLP?

Smith Debnam Narron Drake Saintsing & Myers LLP has accumulated 104 total CFPB complaints across 5 states, with 13 filed in the most recent 12 months against 91 historical complaints before that window. The trailing-12-month volume represents 12.5% 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 "False statements or representation", narrowing to "Attempted to collect wrong amount". The company posts a 98% timely-response rate against a 53% consumer-dispute-after-response rate.

Complaints have been recorded across 5 states, led by North Carolina with 85 and South Carolina with 13. Normalized against the full CFPB collector database, the reputation score of 52.0/100 places Smith Debnam Narron Drake Saintsing & Myers LLP in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

104

mid-volume (CCDB)

Last 12 months

13

12.5% of all-time complaints

Falling ↓

States active

5

regional footprint

Timely response rate

98%

excellent band

Consumer disputes

53%

high (vertical avg ~19%)

Reputation grade

F

52.0/100 composite

How does Smith Debnam Narron Drake Saintsing & Myers LLP's reputation rank nationally?

Reputation score vs. every graded collector

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

52 Bottom 19% higher than 19% 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%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 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

Smith Debnam Narron Drake Saintsing & Myers LLP versus the debt-collection vertical average.

Timely response within SLA 98.0%
Vertical avg

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

Consumer dispute rate (post-response) 52.6%
Vertical avg

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

State coverage breadth 8.9%

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

How does Smith Debnam Narron Drake Saintsing & Myers LLP compare to its peers?

How does Smith Debnam Narron Drake Saintsing & Myers LLP compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Smith Debnam Narron Dr… National average
Complaints (last 12 mo)lower is better
13
39
268
Timely-response ratehigher is better
98%
90%
91%
Consumer-dispute ratelower is better
53%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-10 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
False statements or representation - 27
Took or threatened to take negative or legal action - 24
Written notification about debt - 17
Attempts to collect debt not owed - 14
Communication tactics - 13
Taking/threatening an illegal action - 3
Cont'd attempts collect debt not owed - 2
Disclosure verification of debt - 2
Threatened to contact someone or share information improperly - 2

Where do complaints against Smith Debnam Narron Drake Saintsing & Myers LLP come from?

Smith Debnam Narron Drake Saintsing & Myers LLP's own per-state count, not a national baseline.

Top states by complaints against Smith Debnam Narron Drake Saintsing & Myers LLP

Across 5 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Smith Debnam Narron Drake Saintsing & Myers LLP contacts you

A grade of F signals how Smith Debnam Narron Drake Saintsing & Myers LLP'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 Smith Debnam Narron Drake Saintsing & Myers LLP 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 Smith Debnam Narron Drake Saintsing & Myers LLP 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 Smith Debnam Narron Drake Saintsing & Myers LLP? ▼

The most common issue consumers report about Smith Debnam Narron Drake Saintsing & Myers LLP is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 104 complaints filed with the CFPB.

Are complaints against Smith Debnam Narron Drake Saintsing & Myers LLP increasing or decreasing? ▼

Complaints against Smith Debnam Narron Drake Saintsing & Myers LLP are falling. The company received 13 complaints in the last 12 months, showing improvement over prior periods.

What is Smith Debnam Narron Drake Saintsing & Myers LLP's reputation grade? ▼

Smith Debnam Narron Drake Saintsing & Myers LLP has a reputation grade of F (score: 52.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Smith Debnam Narron Drake Saintsing & Myers LLP respond to consumer complaints? ▼

Smith Debnam Narron Drake Saintsing & Myers LLP has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 53% of cases.

In how many states does Smith Debnam Narron Drake Saintsing & Myers LLP operate? ▼

Smith Debnam Narron Drake Saintsing & Myers LLP has received CFPB complaints from consumers in 5 states, with the most complaints from North Carolina (85 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.