What is the most common complaint against Smith, Rouchon & Associates, Inc.?

The most common issue consumers report about Smith, Rouchon & Associates, Inc. is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 244 complaints filed with the CFPB.

Are complaints against Smith, Rouchon & Associates, Inc. increasing or decreasing?

Complaints against Smith, Rouchon & Associates, Inc. are rising. The company received 71 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Smith, Rouchon & Associates, Inc.'s reputation grade?

Smith, Rouchon & Associates, Inc. has a reputation grade of C (score: 57.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Smith, Rouchon & Associates, Inc. respond to consumer complaints?

Smith, Rouchon & Associates, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.

In how many states does Smith, Rouchon & Associates, Inc. operate?

Smith, Rouchon & Associates, Inc. has received CFPB complaints from consumers in 17 states, with the most complaints from Mississippi (171 complaints).

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

Smith, Rouchon & Associates, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 17 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

89
Written notification about debt

69
Took or threatened to take negative or legal action

26
False statements or representation

19
Cont'd attempts collect debt not owed

12
Disclosure verification of debt

10

Data updated September 2026

CFPB complaint disposition

CCDB record smith-rouchon-associates-inc Smith, Rouchon & Associates, Inc.

Grade C · 244 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #459 · compose #2728

VOL 244
GRADE C
12MO 71
STATES 17
TIMELY 100%
DISPUTE 13%
ISSUE Attempts to collect debt n…
RANK #459
COMPOSE #2,728

Volume peers

Nearest volume peer: Nationwide Credit & Collection, Inc. (245 complaints)

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

Smith, Rouchon & Associates, Inc.'s 244 CFPB complaints sit next to Nationwide Credit & Collection, Inc. 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

70.1% of Smith, Rouchon & Associates, Inc.'s CFPB filings land in Mississippi

High volume does not equal a clean composite: Smith, Rouchon & Associates, Inc. is volume #459 but composite #2,728, while Mississippi dominates the geography. Corpus placement method.

Dominant state: Mississippi 70.1%; 171 of 244 filings · 17 states touched
Even monthly load: Peak under 8%; Highest month 2023-01 at 7.4% (7 filings)
Divergent corpus ranks: #459 volume; #2,728 composite; Cleanest-composite ladder is 2,269 places worse than volume

How does Smith, Rouchon & Associates, Inc. compare to its peers?

How does SMITH, ROUCHON & ASSOCIATES, INC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

SMITH, ROUCHON & ASSOC… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

94%

91%

Consumer-dispute ratelower is better

13%

29%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-10 2024-12

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	89
Written notification about debt	69
Took or threatened to take negative or legal action	26
False statements or representation	19
Cont'd attempts collect debt not owed	12
Disclosure verification of debt	10
Communication tactics	9
Threatened to contact someone or share information improperly	5
Improper contact or sharing of info	3
Taking/threatening an illegal action	2

Where do complaints against Smith, Rouchon & Associates, Inc. come from?

Smith, Rouchon & Associates, Inc.'s own per-state count, not a national baseline.

Mississippi

171
Alabama

22
Texas

15
Georgia

7
Arkansas

4
Louisiana

4
Tennessee

4
Florida

3

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Smith, Rouchon & Associates, Inc.: 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: 244.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Smith, Rouchon & Associates, Inc.: 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.