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

CFPB complaint data Grade C 244 complaints

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

CFPB complaint profile across 17 states, reputation grade C.

Complaints by issue type

What consumers report about Smith, Rouchon & Associates, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #25

  • VOL 244
  • GRADE C
  • 12MO 71
  • STATES 17
  • TIMELY 100%
  • DISPUTE 13%
  • ISSUE Attempts to collect debt n…
  • RANK #459
  • COMPOSE #25

Volume peers

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

Aspen National Financial, Inc.Aspen National Financial, In…243Smith, Rouchon & Associates, Inc. (this)Smith, Rouchon & Associates,…244Nationwide Credit & Collection, Inc.Nationwide Credit & Collecti…245EGL US, LLCEGL US, LLC246Merchants and Professional Bureau, Inc.Merchants and Professional B…246
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 →

How the 244 complaints break down

Every complaint issue type on record for Smith, Rouchon & Associates, Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
57.8/100
Smith, Rouchon & Associates, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
244
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
13%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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)
Corpus ranks
#459 volume
#25 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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 & ASSOCIATES, INC. National average
Complaints (last 12 mo)lower is better
71
53
268
Timely-response ratehigher is better
100%
94%
91%
Consumer-dispute ratelower is better
13%
29%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Smith, Rouchon & Associates, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 75%80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Smith, Rouchon & Associates, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Smith, Rouchon & Associates, Inc.Nationwide Credit & Collection, Inc.Aspen National Financial, Inc.Merchants and Professional Bureau, Inc.Bliksum, LLCMedical-Commercial Audit IncWorld Omni Financial Corp.GOLD KEY CREDIT, INC.Altisource Portfolio Solutions, S.à r.l.Aqua Finance, Inc.
Source: CFPB Consumer Complaint Database

Smith, Rouchon & Associates, Inc.'s complaint volume in context

Smith, Rouchon & Associates, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

244 Top 8% higher than 92% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Smith, Rouchon & Associates, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against Smith, Rouchon & Associates, Inc.

Across 17 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.