Total CFPB complaints
20
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 20 complaints
Smith & Smith Investors LTD — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Smith & Smith Investors LTD
- Attempts to collect debt not owed
Attempts to collect debt not owed
10 complaints
- Written notification about debt
Written notification about debt
4 complaints
- Communication tactics 2
Communication tactics
2 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
B
Grade B · 70.5/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Smith & Smith Investors LTD?
Smith & Smith Investors LTD has accumulated 20 total CFPB complaints across 5 states, with 4 filed in the most recent 12 months against 16 historical complaints before that window. The trailing-12-month volume represents 20.0% 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 against a 0% 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 5 states, led by Iowa with 13 and Nebraska with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 70.5/100 places Smith & Smith Investors LTD in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
4
20.0% of total history
Rising ↑
States active
5
Distinct state filings
Timely response rate
90%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
70.5/100 composite
Response-quality profile
How Smith & Smith Investors LTD 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.
Consumer dispute rate (post-response) 0.0%
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 & Smith Investors LTD compare to its peers?
Smith & Smith Investor… 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)
2014-11 2026-01
Top Consumer Issues
Attempts to collect debt not owed10 (%)
Written notification about debt4 (%)
Communication tactics2 (%)
Took or threatened to take negative or legal action1 (%)
Cont'd attempts collect debt not owed2 (%)
False statements or representation1 (%)
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 | 6 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Communication tactics | Frequent or repeated calls | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
Where do complaints against Smith & Smith Investors LTD come from?
The states where consumers have filed the most CFPB complaints against Smith & Smith Investors LTD. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Smith & Smith Investors LTD
Across 5 states with at least one filing
- Iowa
Iowa
13 complaints
- Nebraska 3
Nebraska
3 complaints
- Colorado 1
Colorado
1 complaints
- Missouri 1
Missouri
1 complaints
- South Dakota 1
South Dakota
1 complaints
Frequently Asked Questions
What is the most common complaint against Smith & Smith Investors LTD? ▼
The most common issue consumers report about Smith & Smith Investors LTD is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 20 complaints filed with the CFPB.
Are complaints against Smith & Smith Investors LTD increasing or decreasing? ▼
Complaints against Smith & Smith Investors LTD are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Smith & Smith Investors LTD's reputation grade? ▼
Smith & Smith Investors LTD has a reputation grade of B (score: 70.5/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Smith & Smith Investors LTD respond to consumer complaints? ▼
Smith & Smith Investors LTD has a 90% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Smith & Smith Investors LTD operate? ▼
Smith & Smith Investors LTD has received CFPB complaints from consumers in 5 states, with the most complaints from Iowa (13 complaints).
What can I do if Smith & Smith Investors LTD 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 & Smith Investors LTD 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 |