Total CFPB complaints
221
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 221 complaints
SMITH, ROUCHON & ASSOCIATES, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 16 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about SMITH, ROUCHON & ASSOCIATES, INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
72 complaints
- Written notification about debt
Written notification about debt
65 complaints
- Took or threatened to take negative or legal action 20
Took or threatened to take negative or legal action
20 complaints
- False statements or representation 17
False statements or representation
17 complaints
- Cont'd attempts collect debt not owed 8
Cont'd attempts collect debt not owed
8 complaints
- Communication tactics 6
Communication tactics
6 complaints
C
Grade C · 60.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about SMITH, ROUCHON & ASSOCIATES, INC.?
SMITH, ROUCHON & ASSOCIATES, INC. has accumulated 221 total CFPB complaints across 16 states, with 53 filed in the most recent 12 months against 168 historical complaints before that window. The trailing-12-month volume represents 24.0% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 13% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 16 states, led by Mississippi with 153 and Alabama with 21, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.3/100 places SMITH, ROUCHON & ASSOCIATES, INC. 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
53
24.0% of total history
Rising ↑
States active
16
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
C
60.3/100 composite
Response-quality profile
How SMITH, ROUCHON & ASSOCIATES, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 25.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 28.6%
Share of US states + territories with at least one filed complaint against this collector.
How does SMITH, ROUCHON & ASSOCIATES, INC. compare to its peers?
SMITH, ROUCHON & ASSOC… 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)
2023-11 2026-03
Top Consumer Issues
Written notification about debt65 (%)
Attempts to collect debt not owed72 (%)
Took or threatened to take negative or legal action20 (%)
False statements or representation17 (%)
Cont'd attempts collect debt not owed8 (%)
Communication tactics6 (%)
Disclosure verification of debt5 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 52 |
| Attempts to collect debt not owed | Debt is not yours | 45 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 20 |
| Attempts to collect debt not owed | Debt was result of identity theft | 18 |
| False statements or representation | Attempted to collect wrong amount | 17 |
| Written notification about debt | Didn't receive notice of right to dispute | 13 |
| Attempts to collect debt not owed | Debt was paid | 9 |
| Cont'd attempts collect debt not owed | Debt is not mine | 8 |
| Communication tactics | Frequent or repeated calls | 6 |
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
Where do complaints against SMITH, ROUCHON & ASSOCIATES, INC. come from?
The states where consumers have filed the most CFPB complaints against SMITH, ROUCHON & ASSOCIATES, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against SMITH, ROUCHON & ASSOCIATES, INC.
Across 16 states with at least one filing
- Mississippi
Mississippi
153 complaints
- Alabama 21
Alabama
21 complaints
- Texas 12
Texas
12 complaints
- Georgia 7
Georgia
7 complaints
- Tennessee 4
Tennessee
4 complaints
- Louisiana 4
Louisiana
4 complaints
- Arkansas 4
Arkansas
4 complaints
- Florida 3
Florida
3 complaints
Frequently Asked Questions
What is the most common complaint against SMITH, ROUCHON & ASSOCIATES, INC.? ▼
The most common issue consumers report about SMITH, ROUCHON & ASSOCIATES, INC. is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 221 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 53 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: 60.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 16 states, with the most complaints from Mississippi (153 complaints).
What can I do if SMITH, ROUCHON & ASSOCIATES, INC. 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 SMITH, ROUCHON & ASSOCIATES, INC. 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 |